Interested in High APY?
Our Free Kasasa Cash
® pays up to 2.00% Annual Percentage Yield (APY) on your balance — every month! 4
You will also receive refunds on ATM withdrawal fees nationwide — whether you are in Sauk City, Prairie du Sac, or anywhere elsewhere!
Free Kasasa Cash Overview
$50.00 minimum deposit to open
2.00% APY on balances up to and including $10,000.00
4 0.15% interest rate on balances greater than $10,000 for an APY range of 2.00–0.15%
4 0.01% APY if qualifications are not met
4 Refunds on ATM withdrawal fees, nationwide (up to $20.00 monthly)
4 No monthly maintenance fee
No minimum balance to earn rewards
Free debit card
1 Free Online Banking with Bill Pay
2 Free Mobile Banking App
2 Free Mobile Deposit
2 Free Online Statements
3 Access to Network of 600+ surcharge-free ATMs
Free Kasasa Cash Rates
Comparison table of Kasasa Cash
Minimum Balance to Open Account
Minimum Balance to Obtain Annual Percentage Yield
Annual Percentage Yield
Kasasa Cash ($0.01–$10,000.00)
Kasasa Cash ($10,000.01 & above)
Kasasa Cash (qualifications not met)
Qualifications, rules, and limitations apply.
Interest Rate and Annual Percentage Yield may change after account is opened.
We use the average daily balance method to calculate the interest on your account when qualifications are not met.
How to Earn Rewards
To earn 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:
At least one (1) direct deposit, ACH credit, or ACH payment transaction
At least 12 debit card purchases
Be enrolled in and agree to receive online statements
If you do not meet these qualifications, there is no need to worry — your account is still free! Better yet, you can get right back to earning your cash rewards the very next cycle that you qualify.
See Kasasa Statement Cycles
Bank of Prairie du Sac’s personal banking team is standing by to help you! Please note that you must be 18 or older, will need PDF-viewing software, and have a method for adding funds to your new account if you apply online. If you open an account in person, please bring two forms of identification, enough funds to meet the minimum balance, and a parent or guardian (if you are a minor).
1Separate application required.
2Customers must be registered users of Online Banking to be eligible. Third-party message, data, or internet service provider charges may apply.
3Terms and conditions apply with enrollment. Paper statements will automatically be discontinued once registered for the service. A device with internet access and Adobe® Acrobat Reader 4.05 version or greater is required to view Online Statements.
4Qualification Information: Transactions and activities must post and settle to the account during each Monthly Qualification Cycle and may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account. Everyday is a "Business Day" except Saturdays, Sundays, and federal holidays. 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 our bank as ATM transactions, non-retail payment transactions 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 last Business Day of the current Statement Cycle. "Statement Cycle" means the period of time for which Bank of Prairie du Sac provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Rewards: When Kasasa Cash qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000 receive Annual Percentage Yield (APY) of 2.00%; and balances over $10,000 earn 0.15% interest rate on the portion of balance over $10,000, resulting in a range from 2.00% to 0.15% APY depending on the account's balance and (2) You will receive ATM withdrawal fee refunds up to an aggregate total of $20.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We refund ATM withdrawal fees of $4.99 or less. ATM withdrawal fees of $5.00 or more will not qualify. ATM withdrawal fees are based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate ATM withdrawal fee refund, we will adjust the ATM withdrawal fee refund amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Interest and ATM withdrawal fee refunds will be credited to your Kasasa Cash account on the last day of the current Statement Cycle. APYs accurate as of 05/10/22. When Kasasa Cash qualifications are not met, the interest rate paid on the entire balance will be 0.01% with an annual percentage yield of 0.01% and ATM withdrawal fees are not refunded. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account's rewards. Rewards less than a penny cannot be distributed. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Additional Information: $50.00 minimum deposit is required to open the account. This account is not to be used for commercial purposes and there is a limit of one (1) account per social security number. There are no fees to open or close this account. There are no recurring monthly service charges associated with this account. Enrollment in electronic statements is required to meet some of this account's qualifications. Contact a Bank of Prairie du Sac service representative for additional information, details and enrollment instructions. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.