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Growing With You


Kasasa Saver® with Cash Back

Earn a high rate as you grow your savings

Take advantage of this account only available to Owen County State Bank’s Kasasa Cash Back® checking account holders and earn a high rate on your balance. When linked to Kasasa Cash Back®, earned rewards are automatically swept into this interest-bearing account, making saving effortless.*

  • Interest-bearing direct deposit account that builds savings
  • Earns competitive interest on your balance
  • Exclusively available to our Kasasa checking account holders
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • $25 minimum deposit to open


Qualifying to earn your Kasasa Cash Back checking account rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, the following enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa checking account during each monthly cycle.

  • At least 1 direct deposit or ACH credit transaction
  • At least 12 PIN-based / signature-based debit card purchases
  • Be enrolled in and have agreed to receive e-statements only rather than paper statements

If - for some reason - you don’t meet your underlying Kasasa checking account qualifications, don’t worry. Your Kasasa accounts are still active and you will receive the base rate of 0.03% APY in your Kasasa Saver with Cash Back. Even more, you can get right back to your full rewards the very next month.*

Apply in Minutes or Visit Us to Open an Account.

*Disclaimers & Disclosures

*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 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle. 

See our website (www.ocsbank.com) or contact one of our customer service representatives for specific Monthly Qualification Cycle dates.

*Reward Information:

When your linked Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 1.25% and daily balances over $50,000 earn an interest rate of 0.249% on the portion of the daily balance over $50,000, resulting in a range from 1.25% to 0.25% APY depending on the account's daily balance.

When your 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 daily balance in the Kasasa Saver account earns an interest rate of 0.029% resulting in an annual percentage yield of 0.03% APY.

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

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

APY = Annual Percentage Yield.

APYs accurate as of 12/08/2020.

APY calculations are based on an assumed balance of $50,000 + $9,999,999,999 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

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.

Additional Information:

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

A $25 minimum deposit is required to open the Kasasa Cash Back account.

A $25 minimum deposit is required to open the Kasasa Saver account.

Monthly Direct Deposit/ACH credit and enrollment in eStatements are conditions of 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 customer/Tax ID.

There are no recurring monthly maintenance charges or fees to open or close this account.

A 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.

Contact one of our customer service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.


Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.