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Health Savings Accounts

Have a plan with a high deductible? A Health Savings Account (HSA) may be right for you!

Free Kasasa Saver

Build savings automatically while earning a high rate of return.

Free Kasasa Saver® is saving simplified. It’s an account that links to your free Kasasa Cash® or Kasasa Cash Back® checking to help you save every month.

When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Plus, Kasasa Saver pays up to 2.00% APY*! That’s Kasasa at Washington State Bank — free accounts that reward you for banking locally with us.

Visit us today to open your accounts or click here to open your accounts online!


  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 2.000% APY* on balances up to $25,000
  • 2.000% to 1.400% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free account services, including:
    • online banking
    • e-statements
    • mobile banking

Earning your rewards is easy — here’s how to do it:

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards 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 and log into online banking
  • Be enrolled in and agree to receive e-statements

Click to view "Kasasa Account Qualifying Calendar"

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

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

*Qualification Information for Kasasa Cash with Kasasa Saver: 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 close of the current statement 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: (1) Kasasa Saver: Balances up to $25,000 receive an APY of 2.000%; and balances over $25,000 earn 1.243% interest rate on the portion of balance over $25,000, resulting in a range from 2.000% to 1.400% APY depending on the account's balance. (2) Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 5.000%; and balance over $25,000 earn 0.995% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 5.000% to 1.80% APY* depending on the account's balance. (3) You will also receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you are qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. 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. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. When Kasasa Cash qualifications are not met: (1) Kasasa Cash: All balances earn a non-compounding APY* of 0.05% and ATM fees are not paid. (2) Kasasa Saver: All balances earn 0.05% APY. 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 10/20/2023. 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. Enrolling in and logging into online banking at least once per monthly qualification cycle and receipt of electronic statements are conditions of these 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 maintenance charges or fees to open or close this account. Contact of of our Bank Customer Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
*Qualification Information Kasasa Cash Back with Kasasa Saver: 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 close of the current statement cycle. Reward Information: When your Kasasa Cash Back 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: (1) Kasasa Saver: Balances up to $25,000 receive an APY of 2.000% and balances over $25,000 earn 1.243% interest rate on the portion of balance over $25,000, resulting in a range from 2.000% to 1.400% APY depending on the account's balance. (2) Kasasa Cash Back Reward: 2.50% cash back on up to a total of $200.00 of debit card purchases that post and settle to the account during that cycle period. A maximum of $5.00 cash back may be earned per Monthly Qualification Cycle. (3) Kasasa Cash Back ATM Fee Refunds: You will also receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. 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. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. When Kasasa Cash Back qualifications are not met: (1) Kasasa Cash Back: No cash back payments are made and no ATM fees are refunded. (2) Kasasa Saver: All balances earn 0.05% APY. APY = Annual Percentage Yield. APYs accurate as of 10/20/2023. 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. Enrolling in and logging into online banking at least once per monthly qualification cycle and receipt of electronic statements are conditions of these accounts. A Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our Bank Customer Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

  

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