Kasasa Cash Back Checking

Pocket extra money each month.

Earn 2.50% cash back when you use your debit card for purchases.* 

Features You'll Love

  • ATM withdrawal fee refunds* 
  • No monthly maintenance fees 
  • No minimum balance to earn rewards

*Account transactions and activities may take one or more business 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 Century Bank and Trust as ATM 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 close of the current statement cycle. If the first day of the month that is a business day falls on a Friday, a weekend or on a Monday that is not a business day, then the Monthly Qualification Cycle means a period beginning one(1) Business Day prior to the first day of the current Monthly Statement Cycle through two(2) Business Days prior to the close of the current Monthly Statement Cycle. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.50% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met no cash back payments are made and ATM fees are not refunded. You will receive reimbursements for domestic ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within 60 days of transaction for reimbursements of individual ATM fees of $5.00 or higher. Kasasa Cash Back payments will be credited to your Kasasa Cash Back account on the last day of Statement Cycle. Rates and rewards are variable and may change at our discretion after account is opened without notice to you. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50 minimum deposit is required to open the account. At least 12 debit card transactions, enrollment electronic services (e.g. online banking, electronic statements) are required to meet some of the account's qualifications. Limit one account per Social Security Number. There are no recurring monthly service charges or fees to open or close this account. Contact a Century Bank and Trust service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

Additional Resources

Empowering the Georgia community.

Holly Blenk named Ambassador of the Year

Holly Blenk named Ambassador of the Year

Century is proud to announce that Holly Blenk has been named Ambassador of the Year.

Read More
Brandi Osborne Promoted to Senior Loan Assistant

Brandi Osborne Promoted to Senior Loan Assistant

Century is proud to announce the promotion of Brandi Osborne to Senior Loan Assistant.

Read More
Century Named Inaugural Large Business of the Year

Century Named Inaugural Large Business of the Year

Century has been named inaugural the first-ever Large Business of the Year by the…

Read More
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 paid $0
  • Total interest paid $0

Business Certificates of Deposit

Term Interest Rate APY Compound Method
90 Day 0.20% 0.20% Simple
180 Day 0.50% 0.50% Simple
12 Month 0.75% 0.75% Quarterly
18 Month 0.80% 0.80% Quarterly
24 Month 0.95% 0.95% Quarterly
30 Month 1.00% 1.00% Quarterly
36 Month 1.15% 1.15% Quarterly
48 Month 1.25% 1.26% Quarterly
60 Month 1.30% 1.30% Quarterly

The Annual Percentage Yield (APY) assumes the interest remains on deposit until maturity. A withdrawal of interest will reduce earning. Minimum deposit to open account is $500.

Business Money Market Account

Account Balance Interest Rate APY
$0 - $2,499.99 0.00% 0.00%
$2,500 - $24,999.99 0.35% 0.35%
$25,000 - $49,999.99 0.40% 0.40%
$50,000 - $99,999.99 0.45% 0.45%
$100,000 - $249,999.99 0.50% 0.50%
$250,000 - $499,999.99 0.50% 0.50%
$500,000 - $999,999.99 0.55% 0.55%
$1,000,000+ 0.55% 0.55%

Business NOW Checking

Account Balance Interest Rate APY
$0 - $2,499.99 0.00% 0.00%
$2,500 - $24,999.99 0.25% 0.25%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.35% 0.35%
$100,000 - $249,999.99 0.40% 0.40%
$250,000 - $499,999.99 0.40% 0.40%
$500,000 - $999,999.99 0.50% 0.50%
$1,000,000+ 0.50% 0.50%

Certificates of Deposit

Term Interest Rate APY Compound Method
90 Day 0.30% 0.30% Simple
180 Day 0.35% 0.35% Simple
12 Month 0.40% 0.40% Quarterly
18 Month 0.45% 0.45% Quarterly
24 Month 0.50% 0.50% Quarterly
30 Month 0.55% 0.55% Quarterly
36 Month 0.60% 0.60% Quarterly
48 Month 0.65% 0.65% Quarterly
60 Month 0.70% 0.70% Quarterly

The Annual Percentage Yield (APY) assumes the interest remains on deposit until maturity. A withdrawal of interest will reduce earning. Minimum deposit to open account is $500.

Kasasa Cash®*

Account Balance Minimum Opening Deposit Interest Rate APY
$0 to $24,999.99 $50 3.45% 3.50%
$25,000+ $50 0.249% 3.50% to 0.90%
All balances if qualifications not met $50 0.05% 0.05%

 

Qualifications to Earn Rewards

All that stands between you and your rewards are things you probably do anyway. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in online banking
  • Be enrolled in and agree to receive eStatements

And even if you don't meet your qualifications during the month, your Kasasa Cash account is still free — and you'll still earn our base rate of interest.

Kasasa Saver®*

Account Balance Minimum Opening Deposit Interest Rate APY
$0 to $24,999.99 $50 1.24% 1.25%
$25,000+ $50 0.249% 1.25% to 0.45%
All balances if qualifications not met $50 0.05% 0.05%

 

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash or Kasasa Cash Back® account automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases 
  • Be enrolled in online banking
  • Be enrolled in and agree to receive eStatements

That's it! And even if you don't meet your qualifications during the month, your Kasasa® accounts are still free — and you'll still earn our base rate of interest on Kasasa Saver.

Money Market Account

Account Balance Interest Rate APY
$0 - $24,999.99 0.35% 0.35%
$25,000 - $49,999.99 0.40% 0.40%
$50,000 - $99,999.99 0.45% 0.45%
$100,000+ 0.50% 0.50%

Savings Accounts

Account Balance Interest Rate APY
Regular Savings $0 - $200 0.15% 0.15%
Regular Savings $200+ 0.30% 0.30%
Christmas Savings All Balances 0.30% 0.30%