Skip to content

Rates Calculator

Choose free checking that pays high interest plus refunds on ATM withdrawal fees, nationwide.*

Key Features

High Interest

Refunds on ATM Withdrawal Fees

No Monthly Maintenance Fees

Do you currently have an account with Millbury National Bank?

  • 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 maintenance fees
  • Free digital banking
  • Free Mastercard® EMV debit card
  • Overdraft protection with our Cash Reserve Loan available
  • No minimum deposit to open

It’s easy to earn your cash rewards

So easy that you're probably already doing it. 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 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-Statements 

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

Do you currently have an account with Millbury National Bank?

*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.