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Kasasa Checking Account

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.


  • 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

And if you don’t meet these qualifications, your account is still free. Plus you’ll still earn our base rate. 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, (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. 

Everyday Checking

If you have minimal activity and are interested in a checking account with no service charges, this is the account for you.  You pay no monthly service charge and have a limit of 20 checks paid per statement cycle.  There is a .25 cent charge for each check paid after the twentieth.  Unlimited telephone banking, internet banking and Bill pay.  Free e-Statements upon request.  For customers 55 and older.   

Money Market Account

Money Market Accounts pay you higher interest for higher account balances. These accounts are ideal for people who want competitive interest rates and need only limited access to their funds. Money Market Accounts have limited check writing privileges. A minimum daily balance of $500 needs to be maintained to avoid a monthly service charge $4.00. A minimum daily balance of $500 needs to be maintained to obtain the disclosed annual percentage yield. Call for current tiered interest rates.

MasterMoney Debit Card

Enjoy a whole new level of banking and shopping convenience. Pay for your purchases without carrying cash or writing checks. Make purchases at retailers where ever you can use MasterCard. Purchase amounts are deducted directly from your Millbury National Bank checking account. At the same time, have quick and easy access to your Millbury National Bank accounts 24 hours a day. To report a lost or stolen ATM/Debit Card during non banking hours, please call 1-800-554-8969.

Click here to download a MasterMoney Debit Card Application



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