Checking Account Options
Compare Checking Accounts
Select the account that's right for your lifestyle.
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BFH Basic Checking |
BFH Legacy Checking |
Kasasa Cash® Checking |
Kasasa Cash Back® Checking |
Kasasa Tunes® Checking |
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| Best for? | No frills, simple checking | Legacy members | High balances | Frequent debit card purchases | Frequent online debit card purchases |
| Earns interest? | No |  * |
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No | No |
| Amount to Open | $100 | $1,500 | $100 | $100 | $100 |
| Balance requirement? | $0 | $1,500 cumulative deposit relationship | $0 | $0 | $0 |
| Free ATMS? | Not available | Not available | Refunds on ATM withdrawal fees, nationwide (up to $15.00 monthly)* | Refunds on ATM withdrawal fees, nationwide (up to $15.00 monthly)* | Refunds on ATM withdrawal fees, nationwide (up to $15.00 monthly)* |
| Online Banking | |
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| Online Bill Pay | |
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| Withdrawal Limit | unlimited | unlimited | unlimited | unlimited | unlimited |
| E-Statements | |
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| Monthly Fees | No fee if enrolled in E-statements. | If a minimum balance of $1500 is not maintained as a total across all deposit products, a $15 maintenance fee will be applied each month the minimum balance is not met. | No fee. Lower interest is earned if minimum qualifications are not met. | No fee. Reward is not earned if minimum qualifications are not met. | No fee. Reward is not earned if minimum qualifications are not met. |
| Paper Statements | $4/month | Complimentary | If received, account will not qualify for rewards. | If received, account will not qualify for rewards. | If received, account will not qualify for rewards. |
* = Account earns interest. Click View Our current rates for rates.
View Statement Cycles for Kasasa Products
KASASA CASH® CHECKING
Earn up to 4.00%* APY on your balance up to $15,000.00, plus ATM withdrawal fee refunds!
We have two unique levels of our Kasasa Cash checking account, Level one and Level two. The only difference between the two levels is the number of times you swipe your BFH debit card a month and the interest rate that coincides. That's it. It's that easy.
Use your card more (25 times or more), and you qualify for the higher interest rate (assuming you meet the qualifications listed below).
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Kasasa Level 1 |
Kasasa Level 2 |
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To Get: |
APY: 2.00% | APY: 4.00% |
| You need: | 15 swipes | 25 swipes |
| You need: | 1 ach debit/credit month | 1 ach debit/credit month |
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You need: |
to be enrolled and receive estatements | to be enrolled and receive estatements |
Daily balances of $15,000.00 and above in either level of Kasasa Cash earn an interest rate of 0.25% on the portion of the daily balance of $15,000.00 and above resulting in a range from 0.05% to 4.00% depending on the accounts' daily balance.
Qualification rates:
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Kasasa Level 1 |
Kasasa Level 2 |
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When Your Kasasa Cash Account Qualifications ARE MET During A Monthly Qualification Cycle: |
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| Daily balances up to and including $15,000 in your account earn the interest rate and resulting APY as shown to the right: | APY: 2.00% | APY: 4.00% |
| Daily balances over $15,000 in your account earn the interest rate and resulting APY ranges as shown to the right depending on the account's daily balance: | APY Range: 2.00% to 0.48% | APY Range: 4.00% to 0.74% |
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When Your Kasasa Cash Account Qualifications ARE NOT MET During A Monthly Qualification Cycle: |
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| The entire daily balance in your account earns the interest rate and resulting APY as shown to the right: | APY: 0.05% | APY: 0.05% |
Interest Rate & Annual Percentage Yield:
This is a variable rate account. The interest rate and annual percentage yield may change. The interest rate is determined at our discretion, and we may change the interest rate on your account at any time, without any limitations, and without notice to you.
Qualification Information:
To earn your account’s principle rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit or ACH payment transaction
- Be enrolled in and agree to receive E-Statements
- Use of debit card the qualifying amount (15 or 25 swipes)
View Detailed Account Disclosures
Kasasa Cash Back® Checking
Earn cash back on your debit card purchases, plus ATM withdrawal fee refunds.
- Free checking that pays you back
- 4.00% cash back on debit card purchases
- No category restrictions on purchases
- Cash back earned on up to $250 in purchases monthly
- Earn up to $120 cash back per year, $10 per month
- $100 minimum deposit to open
- Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)
- Can open a free Kasasa Saver® account to grow your savings
- Free online & mobile banking, including:
- free MOBILE APP (available at your app store)
- free mobile deposit (enroll through your app or contact a bank representative)
- free online bill pay
- free E-Statements
- No minimum balance required
- No monthly maintenance fee
Qualifications
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:
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- At least a combined total of 15 debit card purchases, (minimum $1 each)
- Be enrolled in and agree to receive E-Statements
That’s just how simple it is. Don’t worry if you don’t meet your qualifications during the cycle — your Kasasa Cash Back account is still free. Even more, you can get right back to earning your full rewards the very next month!
Kasasa Tunes® Checking
Earn reimbursements on your Apple® iTunes™, Amazon.com®, and/or Google Play™ purchases when you qualify. Plus, earn ATM withdrawal fee refunds.
- Free checking that pays you to shop online
- Earn $10 in refunds for Apple® iTunes™, Amazon.com®, and/or Google Play™ purchases every month
- Get $20 in refunds for Apple® iTunes™, Amazon.com®, and/or Google Play™ purchases when you open your account*
- $100 minimum deposit to open
- Refunds on ATM withdrawal fees, nationwide (up to $15 monthly)
- Free online & mobile banking, including:
- free MOBILE APP (available at your app store)
- free mobile deposit (enroll through your app or contact a bank representative)
- free online bill pay
- free E-Statements
- No minimum balance required
- No monthly maintenance fee
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Tunes account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- At least a combined total of 15 debit card purchases, (minimum $1 each)
- Be enrolled in and agree to receive E-Statements
Even if you don’t meet these qualifications, your account is still free. Plus, you can get right back to qualifying to earn your cash rewards the very next monthly cycle.
BFH Basic Checking
Basic checking for most of your daily needs.
- Unlimited check writing/debit card usage
- ATM cards and Visa Debit Cards provided
- E-Statement with images included
- No minimum balance required
- $100 minimum to open
- Free online & mobile banking
- Free mobile deposit (must enroll through a banking representative or through online banking/app)
- Free online bill pay
- Download our free MOBILE APP (available on your app store of choice)
- Complimentary notary services
- Paper statements: $4/ month
Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges.
BFH Legacy Checking
This account is exclusively for our Legacy Club Members. This account includes extra perks - available only to YOU!
- Unlimited check writing/debit card usage
- ATM cards and Visa Debit Cards provided
- E-Statement or paper statement complimentary
- Paper statements with images will be available by the 5th business day of each month.
- $1500 minimum cumulative deposit balance to open
- $1,500 cumulative minimum balance required*
- *$15 fee assessed per statement cycle if cumulative balance falls below $1,500 on any day in the statement cycle
- Complimentary Notary Services
- Complimentary monthly Legacy Club Newsletter
- Discounted safe deposit boxes
- 2 complimentary boxes of checks a year
- Travel opportunities & events
- Complimentary credit report & assistance from a dedicated banking expert
- Free online & mobile banking
- Free mobile deposit (enroll through the app/online banking or through a representative)
- Free online bill pay
- Download our free MOBILE APP from your app store of choice
- Monthly maintenance fee: $15 if balance falls below $1500 as a total across all deposit products
- How to avoid this fee: Maintain a balance of $1500 or more in your products - collectively
Bill pay accounts must be set up via online banking before mobile payments can be scheduled. You may incur normal data (internet) usage charges from your wireless carrier for the use of internet browsing on your mobile device. Contact your carrier for details on related rates or charges.
