PERSONAL

Checking and Savings Accounts

We want to make sure that our products fit how you like to bank. With just a few questions about how you manage your finances, we can recommend or even help you open your new account in minutes!

How You Purchase

How You Track

How You Want to Get Rewarded

Results

  • How You Purchase
  • How You Track
  • How You Want to Get Rewarded
  • Results

How You Purchase

In regards to your checking account, how do you primarily pay for purchases?

Would you use your debit card for most purchases if you knew you’d earn rewards?

How You Track

How do you most frequently check your account balance, make transfers, and see past transactions?

Would you use online and/or mobile banking more frequently if you knew it would help you earn rewards?

How You Want to Get Rewarded

Would you be interested in cash back/interest rewards if it meant you needed to use your debit card and online banking?

If you answered Yes or Maybe, what kind of rewards would you prefer?

Results

Finding the right solution made easy

KASASA CASH BACK

Get paid just for using your debit card. Free Kasasa Cash Back® checking pays 3.00% cash back on your check card purchases, up to $72 back per year ($6 per month).* You’ll also get cash back in the form of refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM.”

 REWARDS:
  • 3.00% cash back on up to $200 in debit card purchases monthly*
  • Earn up to $72 cash back per year ($6 per month)
  • Free account with no minimum balance or purchase category restrictions

Apply Now for Kasasa Cash Back

  • Nationwide ATM fee refunds (Up to $20 per monthly qualification cycle**)
  • Free Online and Mobile Banking
  • Free Online Bill PayTO QUALIFY TO GET REWARDS:Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
  • Have at least 12 debit card point-of-sale transactions post and settle per qualification cycle
  • Be enrolled in and agree to receive eStatements
  • Access Online Banking at least once per qualification cycleIf for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees. And you can get the rewards back the very next qualification cycle!
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
  • Have at least 12 debit card point-of-sale transactions post and settle per qualification cycle
  • Be enrolled in and agree to receive eStatements
  • Access Internet Banking at least once per qualification cycle
If for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees. And you can get the rewards back the very next qualification cycle!
*Kasasa Cash Back Checking is a non-interest earning account. You must deposit $50.00 to open the account. When Kasasa Cash Back checking qualifications are met during a monthly qualification cycle; (1) you will receive 3% cash back on check card purchases up to $200 that post to and settle to the account during the cycle period up to a maximum cash back earned of $6 per monthly qualification cycle; (2) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction). ATM receipt must be present for reimbursements of an individual ATM fee of $5.00 or higher. Qualifying transactions must post and settle account during monthly qualification cycle in which you qualified. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM processed transactions or transfers between your accounts with us do not count towards qualifying check card transactions. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. When Kasasa Cash Back checking qualifications are not met, no cash back payments are made and ATM fees are not refunded. When Kasasa Cash Back checking qualifications are met, the cash back bonus earned is automatically transferred to your Kasasa Cash Back Saver which is an interest earning account. Kasasa Cash Back Saver Account: APY=Annual Percentage Yield. APY’s accurate as of 6/1/2018. Rates may change after account is opened. Balance sup to $50,000 in the Kasasa Cash Back Saver will receive an interest rate of 1.10% with an APY of 1.11%; and balances over $50,000 in the Kasasa Cash Back Saver earn 0.50%; resulting in 1.11% – 0.70% APY depending on the balance. If qualifications are not met on your Kasasa Cash Back Checking, all balances in your Kasasa Cash Back Saver will earn 0.05% APY. Limitations: Monthly direct deposit required. Limit one account per SSN. Fees may reduce earnings. Overdraft and NSF fees will apply to this account. See the Deposit Account Fee Schedule for more information. Overdraft and return item (NSF) fees apply to negative balances created by check, in-person withdrawal, automatic payment, bank-assessed fees,or other electronic means.

KASASA CASH

ARE YOU EARNING INTEREST ON YOUR CHECKING BALANCE?

Kasasa Cash® is a free checking account that pays you interest in cash every month. With no minimum balance, no monthly fees, and nationwide ATM refunds, we pay you in cash just for utilizing our services!

REWARDS:

  • 2.5% APY* paid on balances up to $10,000 if qualifications are met
  • 0.05% APY* if qualifications are not met
  • Free account with no minimum balance or monthly fees
Apply Now for Kasasa Cash

  • Nationwide ATM fee refunds (Up to $20 per monthly qualification cycle**)
  • Free Online and Mobile Banking
  • Free Online Bill PayTO QUALIFY TO GET REWARDS:To earn the reward rate and ATM fee refunds each monthly qualification cycle, simply do the following:
    • Have at least 12 debit card point-of-sale transactions post and settle per qualification cycle
    • Be enrolled in and agree to receive eStatements
    • Access Online Banking at least once per qualification cycleIf for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees. And you can get the rewards back the very next qualification cycle!
To earn the reward rate and ATM fee refunds each monthly qualification cycle, simply do the following
  • Have at least 12 check card point-of-sale transactions post and settle per qualification cycle
  • Receive monthly eStatements
  • Access Internet Banking at least once per qualification cycle
If for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees and earn our base rate of interest. And you can get the rewards back the very next qualification cycle!
 *APY=Annual Percentage Yield. APYs accurate as of 6/1/2018. Rates may change after account is opened. There is a $50 minimum balance to open account. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive an interest rate of 2.46% with an APY of 2.50%; and (3) balances over $10,000 earn 0.51% interest rate on the portion of the balance over $10,000, resulting in 2.50% – 0.69% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05 % APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. **“Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned and ATM refunds for Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle (if customer has a Kasasa Saver account). Interest does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are net each monthly qualification cycle: (1) balances up to $50,000 receive an interest rate of 1.10{% and an APY of 1.11% in Kasasa Saver (2) balances over $50,000 in Kasasa Saver earn 0.50% interest rate on portion of balance over $50,000, resulting in 1.11% -0.70% depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.50% APY. Monthly direct deposit is required to have these accounts. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. ATM processed transactions do not count towards qualifying check card transactions. To qualify for Kasasa Saver customer must have a Kasasa Cash account. Contact Us for more information about the qualification cycle. Limit one account per SSN. Fees may reduce earnings. Kasasa and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

KASASA CASH

ARE YOU EARNING INTEREST ON YOUR CHECKING BALANCE?

Kasasa Cash® is a free checking account that pays you interest in cash every month. With no minimum balance, no monthly fees, and nationwide ATM refunds, we pay you in cash just for utilizing our services!

REWARDS:

  • 2.5% APY* paid on balances up to $10,000 if qualifications are met
  • 0.05% APY* if qualifications are not met
  • Free account with no minimum balance or monthly fees
Apply Now for Kasasa Cash

  • Nationwide ATM fee refunds (Up to $20 per monthly qualification cycle**)
  • Free Online and Mobile Banking
  • Free Online Bill PayTO QUALIFY TO GET REWARDS:To earn the reward rate and ATM fee refunds each monthly qualification cycle, simply do the following:
    • Have at least 12 debit card point-of-sale transactions post and settle per qualification cycle
    • Be enrolled in and agree to receive eStatements
    • Access Online Banking at least once per qualification cycleIf for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees. And you can get the rewards back the very next qualification cycle!
To earn the reward rate and ATM fee refunds each monthly qualification cycle, simply do the following
  • Have at least 12 check card point-of-sale transactions post and settle per qualification cycle
  • Receive monthly eStatements
  • Access Internet Banking at least once per qualification cycle
If for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees and earn our base rate of interest. And you can get the rewards back the very next qualification cycle!
 *APY=Annual Percentage Yield. APYs accurate as of 6/1/2018. Rates may change after account is opened. There is a $50 minimum balance to open account. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive an interest rate of 2.46% with an APY of 2.50%; and (3) balances over $10,000 earn 0.51% interest rate on the portion of the balance over $10,000, resulting in 2.50% – 0.69% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05 % APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. **“Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned and ATM refunds for Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle (if customer has a Kasasa Saver account). Interest does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are net each monthly qualification cycle: (1) balances up to $50,000 receive an interest rate of 1.10{% and an APY of 1.11% in Kasasa Saver (2) balances over $50,000 in Kasasa Saver earn 0.50% interest rate on portion of balance over $50,000, resulting in 1.11% -0.70% depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.50% APY. Monthly direct deposit is required to have these accounts. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. ATM processed transactions do not count towards qualifying check card transactions. To qualify for Kasasa Saver customer must have a Kasasa Cash account. Contact Us for more information about the qualification cycle. Limit one account per SSN. Fees may reduce earnings. Kasasa and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Roundbank Checking*

An account for everyone seeking simplicity!
  • No minimum balance required
  • No monthly service charge
  • Free MasterCard ATM & check card available^^
  • Free Internet Banking
  • Free eStatements
  • Free Online Bill Pay
*Customer purchases checks
Minimum opening deposit is only $50. Ask us for details.

E-Checking

An electronic only transaction account that offers the ease and security of banking online, without the need for checks – this account goes anywhere your computer goes!
  • Competitive tiered interest rates^
  • Free MasterCard ATM & check card available^^
  • Free Internet Banking
  • Free eStatements
  • Free Online Bill Pay
  • No minimum balance requirement or monthly service charge
  • No checks to carry

VIP Checking

The account for people who want to earn interest on their checking balance.
  • Competitive tiered interest rates^
  • Only $6.00 monthly charge if minimum balance falls below $500 (waived with Roundbank Mortgage loan automatic payment)
  • Minimum opening deposit is $50.
  • Free MasterCard ATM & check card available^^
  • Free Internet Banking
  • Free eStatements
  • Free Online Bill Pay
  • Free personalized wallet specialty checks

Wall Street Checking

The premier account for people who maintain higher balances.
  • Free personalized wallet specialty checks
  • Higher interest rates with balances of $2,500 or more^
  • Competitive interest if balance falls below $2,500^
  • Only $8.00 monthly charge if minimum balance falls below $1,000 (waived on accounts with $10,000 combined deposit relationship)
  • Free MasterCard ATM & check card available^^
  • Free Internet Banking
  • Free eStatements
  • Free Online Bill Pay
^This account is interest bearing. The Daily Balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. If a minimum balance is required, fees may reduce earnings. Ask us for details.
 
^^Check card issuance restrictions apply. Card Issuance is free, but foreign ATM usage fees apply. This account is interest bearing. Talk to a Roundbank Banker for additional information. 

 Health Savings Account

  • A complementary account to a high-deductible health plan
  • Can be used to pay qualifying medical expenses
  • $200 minimum balance to open an account
  • $25 set-up charge
  • $2.00 monthly service charge if account balance falls below $1,500
  • Contributions based on government standards
  • Free Visa ATM & Check Card available

This account is interest bearing. The daily balance method is used to calculate the interest on your account. Fees may reduce earnings.

KASASA SAVER

SAVE UP THE EASY WAY WITH THIS AUTOMATIC SOLUTION!

  • Kasasa Saver® is a free, high-interest account linked to our Kasasa Cash® or Kasasa Cash Back® accounts. Here’s how it works: the cash back/interest and ATM fee refunds earned on your Kasasa checking account are automatically deposited into Kasasa Saver® every month. But that’s not all. Your balance also earns high interest, so you can sit back, relax and watch your savings grow!”
  • REWARDS:
    • Earn 1.11% APY* paid on balances up to $50,000 if qualifications are met
    • 0.05% APY* if qualifications are not met
    • Free account with no minimum balance or monthly fees
Apply Now for Kasasa Saver
  • Nationwide ATM fee refunds (Up to $20 per monthly qualification cycle**)
  • Free Online and Mobile Banking
  • Free Online Bill PayTO QUALIFY TO GET REWARDS:To earn the reward rate and ATM fee refunds each monthly qualification cycle, simply do the following on your Kasasa Cash Back or Kasasa Cash account:
    • Have at least 12 debit card point-of-sale transactions post and settle per qualification cycle
    • Be enrolled in and agree to receive eStatements
    • Access Online Banking at least once per qualification cycleThere, Like we said, super easy. But if you don’t qualify, don’t worry. Both Kasasa Cash Back and Kasasa Cash Back Saver are always free and still earn our base rate of interest. Plus, you can get back to earning the reward interest rates and ATM fee refunds the very next qualification cycle! If for some reason you don’t qualify one cycle, don’t worry–you still get a checking account with no service fees. And you can get the rewards back the very next qualification cycle!
To earn the reward rate and ATM fee refunds each monthly qualification cycle, simply do the following on your Kasasa Cash Back account:
  • Have at least 12 check card point-of-sale transactions post and settle per qualification cycle
  • Receive monthly eStatements
  • Access Internet Banking at least once per qualification cycle
There, Like we said, super easy. But if you don’t qualify, don’t worry. Both Kasasa Cash Back and Kasasa Cash Back Saver are always free and still earn our base rate of interest. Plus, you can get back to earning the reward interest rates and ATM fee refunds the very next qualification cycle!
*Kasasa Cash Back Checking is a non-interest earning account. You must deposit $50.00 to open the account. When Kasasa Cash Back checking qualifications are met during a monthly qualification cycle; (1)you will receive 3% cash back on check card purchases up to $200 that post to and settle to the account during the cycle period up to a maximum cash back earned of $6 per monthly qualification cycle; (2) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 ($4.99 per single transaction). ATM receipt must be present for reimbursements of an individual ATM fee of $5.00 or higher. Qualifying transactions must post and settle account during monthly qualification cycle in which you qualified. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM processed transactions or transfers between your accounts with us do not count towards qualifying check card transactions. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. When Kasasa Cash Back checking qualifications are not met, no cash back payments are made and ATM fees are not refunded. When Kasasa Cash Back checking qualifications are met, the cash back bonus earned is automatically transferred to your Kasasa Cash Back Saver which is an interest earning account. Kasasa Cash Back Saver Account: APY=Annual Percentage Yield. APY’s accurate as of 2/1/2018. Rates may change after account is opened. Balances up to $50,000 in the Kasasa Cash Back Saver will receive an interest rate of 1.10% with an APY of 1.11%; and balances over $50,000 in the Kasasa Cash Back Saver earn 0.50%; resulting in 1.11% – 0.70% APY depending on the balance. If qualifications are not met on your Kasasa Cash Back Checking, all balances in your Kasasa Cash Back Saver will earn 0.05% APY. Limitations: Monthly direct deposit required. Limit one account per SSN. Fees may reduce earnings. Overdraft and NSF fees will apply to this account. See the Deposit Account Fee Schedule for more information. Overdraft and return item(NSF) fees apply to negative balances created by check, in-person withdrawal, automatic payment, bank-assessed fees, or other electronic means.

Roundbank Savings Account

For those who carry modest balances, younger savers, and those starting a savings plan
  • Free Internet Banking
  • $50 minimum opening deposit
  • $1.50 monthly service charge if account balance falls below $50 on any day during statement cycle
  • Multiple interest tiers of $0, $200 and $1,000^

Treasury Rate Investment

Watch your balance grow with this multi-tiered account
  • Competitive market interest rate
  • Free Internet Banking
  • $2,500 minimum balance to open an account
  • No interest is paid for those days when the balance is below $2,500
  • Multiple interest tiers of $2,500, $10,000, $25,000, $50,000 and $100,000^
  • Higher balances earn higher rates

IRA Savings

  • For those who want retirement savings and to take periodic distributions after age 59 ½
  • $200 minimum balance to open an account
  • $1.50 monthly service charge if account balance falls below $200
  • Multiple interest rate tiers – $0 to $999.99 and $1,000.00 and above^
  • Transfer or withdraw funds without penalty
^This account is interest bearing. The Daily Balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. If a minimum balance is required, fees may reduce earnings. As a banker for details.

Certificates of Deposit (CDs)

Roundbank offers a variety of CD terms to help you save money, from 3 months to 5 years, with competitive interest rates. CD’s provide you with the security of guaranteed principal and interest. You can also give your CD a lift with our 30-month Ratelifter CD. Ask a banker for details.

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