Free Kasasa Saver® Account

*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 less than $0.01, 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Visit us at www.pathfinderbank.com or call 315-343-0057 and speak to one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

¹When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle:

Cash with Saver: When your linked Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $30,000 in your Kasasa Cash account earn an interest rate of 3.93%, resulting in a non-compounding* Annual Percentage Yield (APY) of 4.00%; and average daily balances over $30,000 earn an interest rate of 0.50% on the portion of the average daily balance over $30,000, resulting in non-compounding range from 0.50% to 4.00% APY depending on the account's average daily balance. In addition, average daily balances up to and including $30,000 in your Kasasa Saver account earn an interest rate of .995% resulting in an APY of 1.00%; and average daily balances over $30,000 earn an interest rate of .25% on the portion of the average daily balance over $30,000, resulting in an range from 0.42% to 1.00% APY depending on the Kasasa Saver accounts average daily balance. 

*When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. Actual interest amount paid may be less than advertised Kasasa Cash APY if represented without a linked Kasasa Saver account because of non-compounding. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs.

Cash Back with Saver: When your linked Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per monthly qualification cycle. In addition, average daily balances up to and including $30,000 in your Kasasa Saver account earn an interest rate of .995% resulting in an APY of 1.00%; and average daily balances over $30,000 earn an interest rate of .25% on the portion of the average daily balance over $30,000, resulting in an range from .25% to 1.00% APY depending on the Kasasa Saver accounts average daily balance. 

You will receive reimbursements up to an aggregate total of $25(up to $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Cash Back account during that monthly qualification cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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.

²When Kasasa Cash and Cash Back qualifications are not met:

Cash with Saver: When your linked Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned on the accounts entire average daily balance will be 0.05% resulting in an APY of 0.05%. In addition, the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an APY of 0.05%.

Cash Back with Saver: When your linked Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an APY of 0.05%.

Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle.

Rewards and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash or Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. 

APYs accurate as of 08/01/2023.

Blended APY Range of 1.00%-0.42% is an example of rates for account balances up to $130,000 in your Kasasa Cash Saver account and an assumed statement cycle of thirty-one (31) days; actual blended APY on statements may vary based on total account balance.

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. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100.00 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account per Social Security Number.

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash or Cash Back account during each monthly qualification cycle: At least one (1) ACH credit or ACH payment transaction(s), at least twelve (12) debit card purchases, and you must be enrolled in and have agreed to receive e-statements.

³There are no recurring monthly maintenance charges or fees to open or close this account. Certain transaction and service fees may apply. Refer to the Fee Schedule for more information

A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Member FDIC.