Score cash back from your spending in Itasca County and beyond.
Get paid 3% cash back on debit card purchases with no category restrictions!*
Benefits You’ll Love
- Up to $108 cash back per year
- Refunds on ATM withdrawal fees*
- No monthly service fee
- No minimum balance requirements
- Free checking that pays you back
- 3% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $9 cash back per month
- Refunds on ATM fees, nationwide (up to $20 monthly)*
- Link to Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly service fee
- Free Online Banking with Bill Pay
- Free eStatements
- Free Mobile Banking
- Free Visa® Debit Card
- Unlimited check writing
- $50 minimum deposit to open
Earning Kasasa Cash Back rewards is easy!
Just keep doing the banking basics you probably do anyway (we call them “qualifications”). To earn your full rewards, simply do the following transactions and activities within your Kasasa Cash Back account each Monthly Qualification Cycle:
- Have at least one ACH auto debit or ACH credit transaction post and settle per qualification cycle
- Have at least 10 debit card purchases post and settle
- Be enrolled in and agree to receive e-statements
** If you do not qualify for 6 consecutive months on your Kasasa account, we may convert you to the Woodland Easy account, which may or may not have monthly fees.
Easy as that. And if for some reason you don't qualify one cycle, don't worry — you still get a checking account with no service fees that earns our base rate of interest. You can always get back to earning rewards the next cycle.
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, debit card purchases processed by merchants and received by Woodland Bank as ATM or PIN-based/signature-based transactions and purchases made with non-Woodland Bank issued debit cards. 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) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. Contact one of our customer service representatives for specific monthly qualification cycle dates.
Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $50 minimum deposit is required to open the account. A monthly ACH Debit, receipt of electronic statements, and debit card usage are conditions of this account. Enrollment in electronic statements are required to meet some of the account's qualifications. Limit 1 account(s) per social security number. There are no recurring monthly service charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.
Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Additional Service Fees
| Service | Fee |
|---|---|
| Check Printing | Fee depends on style of check order |
| Coin Counting (non customer) | 5% |
| Money Order | $2.00 each |
| Cashier's Checks | $5.00 each |
| Copy of Checks (2 free per month) |
$1.00 each additional check |
| Replace Lost Debit Card | $7.00 |
| Dormant Account Fee (Account is dormant, if for two years (savings or checking account) you have made no deposits or withdrawals to the account) | $5.00 per month |
| Overdraft Charge (fee applies to overdrafts created by any debit including check, in-person withdrawal, ATM withdrawal, transfers, other electronic means, etc) | $30.79 |
| Continuing Overdraft Fee | $6.00 per day after 3rd business day of continued overdrawn account |
| Account Research | $30.00 per hour ($10.00 minimum), $5.00 copy |
| Stop Payments (all items) |
$30.79 |
| Photocopies | $0.25 |
| Wire Transfers (domestic - incoming) | $15.00 Incoming |
| Wire Transfers (domestic - outgoing) | $20.00 |
| Wire Transfers (foreign) | $40.00 |
| Return Item Charge | $30.79 (Items may be presented multiple times if funds are not available. You will be charged each time the item is presented) |
| Check Cashing (not on us/non customer) |
2% |
| Fax (incoming or outgoing) |
$2.00 first page, $1.50 each additional |
| Check Collection | 10% of check or $10.00, whichever is less |
| Automatic Transfer | $5.00 |
| Amortization Schedule | $5.00 |
| Canadian Check Processing | $5.00 per check |
| Notary Fee (non customer) |
$5.00 per document |
| Telephone Transfer | $5.00 |
| Check Free Bill Pay Rush Delivery | $14.95 each |
| BOLT$ P2P | $1.00 per transaction |
| Safe Deposit Boxes | price varies on size |
| Lost Key | $50.00 |
| Drill Charge | $250.00 |
| Undeliverable Statement Charge | $5.00 |
| Deposit Item Return Fee (Business Customers Only) | $5.00 |
Certificate of Deposit
| Maturity | APY | Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| 30 Day (a, b, c) | 0.09% | 0.08% | $2,500 | $2,500 |
| 90 Day (a, b, c) | 0.50% | 0.50% | $2,500 | $2,500 |
| 180 Day (a, b, c) | 0.75% | 0.75% | $2,500 | $2,500 |
| 12 Months (a, b, c) | 3.25% | 3.21% | $500 | $500 |
| 18 Months (a, b, c) | 1.50% | 1.49% | $500 | $500 |
| 24 Months (a, b, c) | 3.25% | 3.21% | $500 | $500 |
| 36 Months (a, b, c) | 2.00% | 1.99% | $500 | $500 |
| 48 Months (a, b, c) | 2.25% | 2.23% | $500 | $500 |
| 60 Months (a, b, c) | 2.50% | 2.48% | $500 | $500 |
a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
Checking Accounts
| Account Type | APY | Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Prestige Club Account (b, c, d) | 0.02% | 0.02% | $1.00 | $1.00 |
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
d - The interest rate and annual percentage yield may change after account opening
Free Kasasa Cash*
| Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $50,000 | $50 | 4.89% | 5.00% |
| $50,000+ | $50 | 0.99% | 5.00% to 2.33% |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 automatic payment (ACH) transaction post and settle
**If you do not qualify for 6 months on your Kasasa account, we may convert you to the Woodland Easy account, which may or may not have monthly fees.
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Free Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| $0 - $9,999,999.00 | 0.99% | 1.00% |
| $9,999,999.00 + | 0.99% | 1.00% to 1.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 10 debit card purchases that post and settle
- Have at least 1 automatic payment (ACH) or bill payment post and settle
- Be enrolled and receive e-statement
** If you do not qualify for 6 consecutive months on your Kasasa account, we may convert you to the Woodland Easy account, which may or may not have monthly fees.
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Health Savings Account (HSA)
| Balance | Annual Percentage Yield | Interest Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY* |
|---|---|---|---|---|
| $5,000.01 and over | 0.20% | 0.20% | $1.00 | $1.00 |
| $2,000.01 to $5,000 | 0.10% | 0.10% | $1.00 | $1.00 |
| $2,000 and under | 0.05% | 0.05% | $1.00 | $1.00 |
Individual Retirement Account (IRA)
| Maturity | APY | Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| IRA Variable (a, b, c, d) | 0.85% | 0.85% | $10 | $10 |
| IRA 3 Year Term (a, b, c) | 2.00% | 1.99% | $1,000 | $1,000 |
| IRA 5 Year Term (a, b, c) | 2.50% | 2.48% | $1,000 | $1,000 |
a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
d - The interest rate and annual percentage yield may change after account opening
Investor's Choice Account
| Balance | Annual Percentage Yield | Interest Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY* |
|---|---|---|---|---|
| $90,000 and over | 3.25% | 3.20% | $30,000 | $1.00 |
| $30,000 to $89,999.99 | 0.75% | 0.75% | $30,000 | $1.00 |
| $29,999.99 and under | 0.05% | 0.05% | $30,000 | $1.00 |
Fee could reduce the earnings on these accounts
Ask us for further information about these accounts
The interest rate and annual percentage yield may change after account opening
Money Market Account
| Tier | Annual Percentage Yield | Interest Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY* |
|---|---|---|---|---|
| Tier 1 $2,500 - $14,999 | 0.05% | 0.05% | $2,500 | $1.00 |
| Tier 2 $15,000 - $24,999 | 0.10% | 0.10% | $2,500 | $1.00 |
| Tier 3 $25,000 - $99,999 | 0.10% | 0.10% | $2,500 | $1.00 |
| Tier 4 $100,000 and over | 0.10% | 0.10% | $2,500 | $1.00 |
Fee could reduce the earnings on these accounts
Ask us for further information about these accounts
The interest rate and annual percentage yield may change after account opening
These rates may change after account opening
Savings Accounts
| Account Type | APY | Rate | Minimum Balance to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Passbook Savings (b, c, d, e) | 0.05% | 0.05% | $100 | $1.00 |
| Christmas Club Account (a, b, c, d, e, f) | 0.05% | 0.05% | $1.00 | $1.00 |
| School Club Account (a, b, c, d, e, g) | 0.05% | 0.05% | $1.00 | $1.00 |
| Vacation Club Account (a, b, c, d, e, h) | 0.05% | 0.05% | $1.00 | $1.00 |
| Home Improvement Club Account (a, b, c, d, e, i) | 0.05% | 0.05% | $1.00 | $1.00 |
a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
d - The interest rate and annual percentage yield may change after account opening
e - These rates may change after account opening
f - This account matures every November
g - This account matures every August 1st.
h - This account matures every January 8th.
i - This account matures every April 15th.