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Kasasa Cash Checking

Enjoy no monthly service fees plus really high interest earnings.

Free Kasasa Cash® pays you up to 2.018% APY* every month — plus refunds on ATM withdrawal fees, nationwide.* So every ATM is your ATM, whether you’re in Millbury, South Grafton, or anywhere else.

These rewards are yours for doing simple banking activities that save us money, and save you time. We pay these savings back to you in cash rewards. Build your savings even higher by linking your account to free Kasasa Saver®. Open your accounts today at any of our convenient locations.

Benefits

Free checking that pays high interest
2.018% APY* on balances up to $25,000
2.018% to 0.72% APY on balances over $25,000 depending on balance in account*
0.05% APY* if qualifications aren't met
Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
Link to free Kasasa Saver to build savings automatically 
No minimum balance to earn rewards
No monthly service fee
Free Internet Banking 
Free Billpay 
Free e-Statements 
Free MasterMoney debit card
Earning your rewards is easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

Have at least 12 debit card purchases post and settle
Have at least 1 direct deposit or ACH payment transaction post and settle
Be enrolled in and agree to receive e-Statements
Don't worry if you don't qualify for the month, as your account is always free! Plus, you can still earn cash back and refunds on ATM withdrawal fees the very next cycle you qualify.

*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 must post and settle to the account during the Monthly Qualification Cycle in order to earn the rewards: Have at least 1 direct deposit or ACH  transaction, have at least 12 PIN-based or signature based debit card purchases post and settle, , and be enrolled in and agree to receive monthly e-statements. 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 or credit 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. Monthly statement cycle is not the same as monthly qualification cycle.  Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 2.018%; and balances over $25,000 earn 0.40% interest rate on the portion of balance over $25,000, resulting in a range from 0.72% to 2.018% APY depending on the account’s balance (assuming your balance is $125,000, if your balance is higher your APY will be lower, if you balance is lower your APY will be higher) and (2) you will receive reimbursements up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. 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 fourth Wednesday of the current qualification cycle. APY = Annual Percentage Yield. APYs accurate as of 12/15/2016. 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. No minimum deposit is required to open the account. Enrollment in electronic banking, maintain a valid email address on record with Millbury National Bank and monthly receipt of electronic statements are conditions of this account. No Limit on number of accounts. There are no recurring monthly service charges or fees to open or close this account. Account not to be used for commercial purposes. Contact one of our bank service representatives at 508-865-9521 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 Back Checking

Enjoy no monthly service fees plus really earn cash back on debit card purchases!

Free Kasasa Cash Back® pays you up to 4.00% every month on debit card purchases totaling $200.00 for the month ($8.00 cash back cap each month) — plus refunds on ATM withdrawal fees, nationwide.** So every ATM is your ATM, whether you’re in Millbury, South Grafton, or anywhere else.

These rewards are yours for doing simple banking activities that save us money, and save you time. We pay these savings back to you in cash rewards. Build your savings even higher by linking your account to free Kasasa Cash Back Saver®. Open your accounts today at any of our convenient locations.

Benefits

Free checking that pays cash back on debit card purchases
Up to $8.00 cash back each month**
Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)**
Link to free Kasasa Cash Back Saver to build savings automatically 
No minimum balance to earn rewards
No monthly service fee
Free Internet Banking 
Free Billpay 
Free e-Statements 
Free MasterMoney debit card
Earning your rewards is easy.

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:

Have at least 12 debit card purchases post and settle
Have at least 1 direct deposit or ACH payment transaction post and settle
Be enrolled in and agree to receive e-Statements
And if you don’t meet these qualifications, your account is still free. There is no penalty fee, plus you can still earn cash back and refunds on ATM withdrawal fee the very next cycle that you qualify.

**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 must post and settle to the account during the Monthly Qualification Cycle in order to earn the rewards: Have at least 1 direct deposit or ACH transaction, have at least 12 PIN-based or signature based debit card purchases post and settle, and be enrolled in and agree to receive monthly e-statements.  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 or credit 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. Monthly statement cycle is not the same as Monthly Qualification Cycle.  Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4.00% cash back on up to a total of $200.00 PIN-based or signature-based debit card purchases that post and settle to the account during the Monthly Qualification Cycle. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. 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 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 fourth Wednesday of the current qualifying cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic banking, maintain a valid email address on record with Millbury National Bank and monthly receipt of electronic statements are conditions of this account. No Limit on number of accounts. There are no recurring monthly maintenance charges or fees to open or close this account. Account not to be used for commercial purposes. Contact one of our bank service representatives at 508-865-9521 for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. 

Kasasa Saver Savings

Enjoy automatic savings with high interest earnings. Free Kasasa Saver® is saving made simple. It links to your free Kasasa Cash® checking or your Kasasa Cash Back® checking account to build your savings effortlessly every month.

When you earn cash rewards in your Kasasa® checking accounts, those earnings transfer into your Kasasa Saver Savings account. Plus, Kasasa Saver pays up to 1.00% APY*** on your balance! Open your Kasasa accounts today at any of our convenient locations.

Benefits

Free account that builds your savings effortlessly
Links to free Kasasa® checking account
Automatic reward transfers to help you save
1.00% APY*** on balances up to $50,000
1.00% to 0.60% APY on balances over $50,000 depending on balance in account***
0.05% APY*** even if you don't qualify
No minimum balance to earn rewards
No monthly service fee
Free internet banking 
Free e-Statements 
Earning your rewards is easy.

Qualifying for your Kasasa Cash® Checking account or Kasasa Cash Back® Checking account rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

Have at least 12 debit card purchases post and settle
Have at least 1 direct deposit or ACH payment transaction post and settle
Be enrolled in and agree to receive e-Statements
And if you don’t meet these qualifications, your accounts are still free.

Plus, you’ll still earn our base rate on Kasasa Cash Saver and Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

***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 must post and settle to the account during the Monthly Qualification Cycle in order to earn the rewards: Have at least 1 direct deposit or ACH  transaction, have at least 12 PIN-based or signature based debit card purchases post and settle, and be enrolled in and agree to receive monthly e-statements. 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 or credit 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. Monthly statement cycle is not the same as monthly qualification cycle.  Reward Information: When your Kasasa Cash 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: Kasasa Saver: Balances up to $50,000 receive APY of 1.00%; and balances over $50,000 earn 0.40% interest rate on the portion of balance over $50,000, resulting in a range from 0.60% to 1.00% APY depending on the account’s balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 2.00%; and balances over $25,000 earn 0.40% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 0.72% to 2.00% APY* depending on the account’s balance (assuming your balance is $125,000, if your balance is higher your APY will be lower, if your balance is lower your APY will be higher). ATM Fee Reimbursement: you will receive reimbursements up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. 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, Kasasa Saver: All balances earn 0.05% APY and ATM withdrawal fees are not refunded. Kasasa Cash: All balances earn a non-compounding APY* of 0.05% and ATM withdrawal fees are not refunded. *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. This 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. APY = Annual Percentage Yield. APYs accurate as of 12/15/2016. 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. No minimum deposit is required to open the account. Enrollment in electronic banking, maintain a valid email address on record with Millbury National Bank, and monthly receipt of electronic statements are conditions of this account. No Limit on number of accounts. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Account not to be used for commercial purposes. Contact one of our bank service representatives at 508-865-9521 for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. 

Kasasa Protect

Employ around-the-clock protection against fraud and ID theft!

What is it?

  • 24/7 credit monitoring
  • Annual credit reports
  • Monthly credit score and tracker
  • Dark web monitoring
  • Lost wallet protection
  • Identity restoration
  • How much does is cost?

For Kasasa account holders, it costs $7.99 per month
For non-Kasasa account holders, it costs $9.99 per month
Any additional member(s) on an account and Gold Customers will receive it for $5.99 per month
Kasasa Protect's monthly service fee is automatically drafted from your checking account, so no additional checks to cut, lapses in coverage, or due dates to remember!

REMAIN GUARDED WITHOUT EVER FEELING "ON GUARD"

To open your Kasasa Protect account today, contact Ashley Marcum at 508-865-9521 or via e-mail at amarcum@mnbonline.com! 

Kasasa Protect is an optional, separate, add-on, fee-based offering that provides identity theft, fraud protection and breach resolution assistance through CSID, an independent third-party. Kasasa Protect requires your (a) explicit authorization ('opt-in'), (b) enrollment in and (c) activation of Services. Monitoring and resolution services begin upon enrollment and credit services begin upon authentication of your identity (collectively "Services"). Services will end within five (5) days of a cancellation request being processed by our bank. Kasasa Protect is provided for a separate monthly fee of $9.99, or $7.99 if you are a Kasasa account holder. Services fees will be automatically debited from your checking account on the third (3rd) of each month and will begin the month following your enrollment. Fees will end one (1) day after our bank processes your cancellation request. The current month's fee will not be reimbursed or prorated upon cancellation. Fees, Services and providers are variable and may change, with proper notification, after enrollment. Terms and conditions as well as full enrollment, activation, authentication and cancellation instructions can be retrieved at one of bank's branch locations or online by entering this UL into your browser: Secure.KasasaProtect.com. Contact a bank service representative at 508-865-9521 for additional information. Federal Notice: Even without our plan, you have the right to a free credit report from each other three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. Bank Notice: Our bank shall not have any liability for damages, direct or indirect, consequential or incidental. Member FDIC. Kasasa Protect is a trademark of Kasasa, Ltd., registered in the U.S.A.

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