There’s free checking — and then there’s free checking that pays you. 

At ESB Financial, we offer the latter with Kasasa Cash® checking. We’ll even refund your ATM fees nationwide (up to $20 per qualification cycle)!* 

Benefits You’ll Love 

  • Free e-statements for easy account review 
  • Secure, contactless debit card for spending 
  • No minimum balance to earn rewards 

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $20,000 receive APY of 5.04%; and balances over $20,000 earn 0.53% interest rate on the portion of balance over $20,000, resulting in a range from 5.04% to 0.54% APY depending on the account's balance and (2) you will receive reimbursements up to an aggregate total of $20 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. Monthly Direct Deposit/ACH Withdrawal and receipt of electronic statements are conditions of these accounts. Limit 1 account per social security number. Early closing fee of $30 if account is closed within 60 days after date opened. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Analysis Earnings Credit

  Interest Compounded Rate
$10 Account Analysis Reviewed Quarterly& 0.30%

Business Max

Tiers Interest Compounded Rate APY
$.01 - $249,999.99 Monthly 0.45% 0.45%
$250,000 - $499,999.99 Monthly 0.50% 0.50%
$500,000 - $999,999.99 Monthly 0.60% 0.60%
$1,000,000.00 - OVER Monthly 0.70% 0.70%

At our discretion, ESB may change the interest rate on any of these tiers listed above.

Certificates of Deposit (CDs)

Maturity Interest Compounded Rate APY
91 Day* Maturity 3.65% 3.70%
182 Day - 11 Months* Quarterly 3.75% 3.80%
12 - 17 Months Quarterly 3.60% 3.65%
18 - 23 Months* Quarterly 3.60% 3.65%
24 - 29 Months* Quarterly 3.55% 3.60%
30 - 35 Months*& Quarterly 3.60% 3.65%
36 - 47 Months* Quarterly 3.65% 3.70%
48 Months* Quarterly 3.70% 3.75%
60 Months*/*** Quarterly 3.70% 3.75%
48 Month Adjustable Rate IRA** Quarterly 3.70% 3.75%
18 Month Variable IRA ($25 minimum deposit) Quarterly with rates adjusted quarterly 3.60% 3.65%

 

* Certificates of Deposit and IRAs only

** IRA holders age 59.5 and older can request a rate bump once every 6 months

*** New Roth IRA Certificates of Deposit only

If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.

Companion CD Accounts

Maturity Interest Compounded Rate APY
36 Months Quarterly 3.60% 3.65%
60 Months Quarterly 3.65% 3.70%

Interest Bearing Checking Account (NOWs)

  Interest Compounded Rate APY
NOW Checking Monthly 0.10% 0.10%

Interest On Overdrawn Collected Balance-Analysis

  Interest Compounded
Account Analysis WSJ Prime + 3%

Kasasa Cash*

Balance Minimum Opening Deposit Rate APY
0 - $20,000 $300 4.93% 5.04%
$20,000+ $300 0.54% 5.04% to 0.54%
All balances if qualifications not met $300 0.05% 0.05%

Qualifications:

  • At least 1 ACH credit or ACH payment transaction
  • At least 15 debit card purchases
  • Enroll and receive e-statements

Kasasa Saver*

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $0 1.01% 1.01%
$10,000+ $0 0.15% 1.01% to 0.15%
All balances if qualifications not met $0 0.05% 0.05%

Qualifications:

  • At least 1 ACH credit or ACH payment transaction
  • At least 15 debit card purchases
  • Enroll and receive e-statements

Money Market Accounts

Tiers Compounded Rate APY
$.01 - 9,999.99 Monthly 0.25%  0.25%
$10,000.00 - 49,999.99 Monthly 0.40% 0.40%
$50,000.00 - 149,999.99 Monthly 0.45% 0.45%
$150,000.00 - OVER Monthly 0.50% 0.50%

At our discretion, ESB may change the interest rate on any of these tiers listed above.

Savings, Super Hero, and Christmas Savings Accounts

Tiers Compounded Rate APY
$.01 - 9,999.99 Monthly 0.20% 0.20%
$10,000.00 - 49,999.99 Monthly 0.35% 0.35%
$50,000.00 - 149,999.99 Monthly 0.40% 0.40%
$150,000.00 - OVER Monthly 0.45% 0.45%

At our discretion, ESB may change the interest rate on any of these tiers listed above.