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X.XX%APY

On balances up to $100,000

TAB’s Free Kasasa Saver®

Build your savings — automatically. Free Kasasa Saver takes the work out of saving by doing the heavy lifting for you. This innovative account is linked to your equally free Kasasa Cash® checking account. Every month, the rewards earned in your Kasasa Cash® checking are automatically transferred to Saver, where they receive high interest. Save the hard work for something else. Kasasa Saver® makes reaching your goals simple and straightforward.

Account Benefits & Rewards

  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® Checking
  • Automatic transfers of Kasasa Cash® earnings
  • 1.50% APY* on balances up to $100,000
  • 1.50% to 0.88% APY on balances over $100,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash®
  • No minimun balance to earn rewards
  • No monthly maintenance fee
  • Mobile bank app
  • Mobile check deposits
  • Account alerts
  • My Spending, budgeting tool
  • Online banking
  • Funds transfer access
  • FDIC insured to protect your money
  • No minimum deposit to open

Here’s how easy it is to earn a higher rate
Qualifying for your Kasasa Cash® 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® account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction(s)
  • At least 15 debit card purchases**

And if you don’t meet these qualifications, don’t worry – your account is still free.
Plus, you’ll still earn our base rate in both Kasasa Cash® and Kasasa Saver®. And you can go right back to earning your full rewards the very next cycle that you qualify.

Enjoy the freedom to access your money anytime with convenient mobile banking controls!

Open a free Kasasa Cash® and Kasasa Saver® accounts with TAB Bank today.

Account Type Qualification Met? Average Daily Balance Interest Rate Annual Percentage Yield
Kasasa Cash® with Saver Rewards YES Below threshold (Up to $50,000) 3.9285% 4.00%*
YES Above threshold (Over $50,000) 0.25% 4.00% to 1.50%*
Kasasa Cash® with Saver NO All balances 0.0499% 0.05%*
Kasasa Saver Rewards YES Up to $100,000 1.4898% 1.50%
YES Over $100,000 0.25% 1.50% to 0.88%
Kasasa Saver NO All balances 0.0499% 0.05%*

Rates are current as of

Kasasa Cash® with Saver Rewards
Average Daily Balance Interest Rate APY ATM Fee Reimbursements
Below threshold (Up to $50,000) 3.9285% 4.00%* Up to $15/month
Above threshold (Over $50,000) 0.25% 4.00% to 1.50%*

Rates are current as of

Kasasa Cash® with Saver Base
Average Daily Balance Interest Rate APY ATM Fee Reimbursements
All balances if qualifications not met 0.0499% 0.05%* None

Rates are current as of

Kasasa Saver® Rewards
Average Daily Balance Interest Rate APY ATM Fee Reimbursements
Up to $100,000 1.4898% 1.50% Up to $15/month
Over $100,000 0.25% 1.50% to 0.88%

Rates are current as of

Kasasa Saver® Base
Average Daily Balance Interest Rate APY ATM Fee Reimbursements
All balances if qualifications not met 0.0499% 0.05% None

Rates are current as of

*Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle: (1) At least 1 direct deposit, ACH payment (use of routing number and account number to complete a transaction), or bill pay (using TAB Bank’s mobile app or online banking portal) transaction. (2) At least a combined total of 15 pin-based / signature-based debit card purchases. 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 less than $5.00, 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website or contact a customer service representative for specific Monthly Qualification Cycle dates.

Reward Information:
When your Kasasa Cash® account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 in your Kasasa Cash® account earn an interest rate of 3.9285% resulting in a non-compounding APY* of 4.00%; and average daily balances over $50,000 earn an interest rate of 0.25% on the portion of the average daily balance over $50,000, resulting in a non-compounding range from 4.00% to 1.50% APY depending on the account’s average daily balance. In addition, average daily balances up to and including $100,000 in your Kasasa Saver® account earn an interest rate of 1.4897% resulting in an APY of 1.50; and average daily balances over $100,000 earn an interest rate of 0.25% on the portion of the average daily balance over $100,000, resulting in a range from 1.50 to 0.88 APY depending on the Kasasa Saver® account’s average daily balance. You will receive reimbursements up to an aggregate total of $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash® account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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 your Kasasa Cash® qualifications are not met, the interest rate earned on the account’s entire average daily balance will be 0.0499% resulting in a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver® account earns an interest rate of 0.0499% resulting in an annual percentage yield of 0.05%. * Note: When linked to a Kasasa Saver® account, the interest earned within the Kasasa Cash® account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, 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 balance is less than the transferred amount when the transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 04/15/2019. APY calculations are based on an assumed balance of $150,000 in your Kasasa Cash® account and $200,000 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. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Cycle Date Information:
The following dates apply to your Kasasa Cash® account. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account’s rewards all the transactions and activities identified within the above Reward Qualification Information section must post and settle to your Kasasa Cash® account with these Monthly Qualification Cycle dates.

Statement Cycle Monthly Qualification Cycle
Month Year Begin End Begin End
Apr 2019 04/01/19 04/30/19 03/29/19 04/29/19
May 2019 05/01/19 05/31/19 04/30/19 05/30/19
Jun 2019 06/01/19 06/30/19 05/31/19 06/27/19
Jul 2019 07/01/19 07/31/19 06/28/19 07/30/19
Aug 2019 08/01/19 08/31/19 07/31/19 08/29/19
Sep 2019 09/01/19 09/30/19 08/30/19 09/27/19
Oct 2019 10/01/19 10/31/19 09/30/19 10/30/19
Nov 2019 11/01/19 11/30/19 10/31/19 11/28/19
Dec 2019 12/01/19 12/31/19 11/29/19 12/30/19
Statement Cycle Monthly Qualification Cycle
Month Year Begin End Begin End
Jan 2020 01/01/20 01/31/20 12/31/19 01/30/20
Feb 2020 02/01/20 02/29/20 01/31/20 02/27/20
Mar 2020 03/01/20 03/31/20 02/28/20 03/30/20
Apr 2020 04/01/20 04/30/20 03/31/20 04/29/20
May 2020 05/01/20 05/31/20 04/30/20 05/28/20
Jun 2020 06/01/20 06/30/20 05/29/20 06/29/20
Jul 2020 07/01/20 07/31/20 06/30/20 07/30/20
Aug 2020 08/01/20 08/31/20 07/31/20 08/28/20
Sep 2020 09/01/20 09/30/20 08/31/20 09/29/20
Oct 2020 10/01/20 10/31/20 09/30/20 10/29/20
Nov 2020 11/01/20 11/30/20 10/30/20 11/27/20
Dec 2020 12/01/20 12/31/20 11/30/20 12/30/20

Additional Information:
Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the Kasasa Cash® account. No minimum deposit is required to open the Kasasa Saver® account. Enrollment in E-Statements is a condition of these accounts. Limit of 1 account per Social Security Number (SSN). There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash® account is required to have a Kasasa Saver® account. A linked Kasasa Saver® account is required for automatic savings. Tab Bank member FDIC.

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

Checking Savings CDs Money Market IRA
Up to 4.00% Up to % APY Great Rates Up to % APY Up to % APY
Available Options No monthly service fees Multiple Terms Available No monthly service fees Roth or Traditional IRA
FDIC Insured FDIC Insured FDIC Insured FDIC Insured FDIC Insured
Rates are current as of

WHAT OUR CUSTOMERS SAY

Mary, Vice President, Finance Company

“TAB Bank has a very dedicated team of professionals who have provided our business with a great experience. They have been quick to help support the growth of our company and continue to work hard for our company.”

Lisa, CFO, Technology Company

“As far as TAB Bank goes, I don’t know what I would do without them. They have definitely made a big difference in our business.”

Dave, President, Distribution Company

“Our experience with TAB Bank has been very positive. In today’s economy, it is reassuring to know that there are still financial institutions out in the market that clearly understand the needs and challenges that smaller middle market companies face on a daily basis.”

Bob, Vice President, Manufacturing Company

“I’m not stuck behind a bureaucratic wall of impersonality. We can interact and solve problems in very clear language and make things happen. That’s why I like TAB.”

Mark, President, Manufacturing Company

“Our experience in working with TAB Bank can be summed up in two words – proactive partnership. Without a doubt, TAB Bank is a different bank that makes a difference. Our company is pleased to be working with them.”

Greg, CFO, Transportation Company

“One of the unique things about TAB Bank is that they are a bank that specializes in trucking – at a much higher level than any other bank.”

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