Earn 3.00% cash back every month you qualify.*

Turn everyday purchases into rewarding payouts when using your First State Bank of Bigfork debit card. It’s almost like getting paid to shop!

Benefits of Kasasa Cash Back®

  • Enjoy refunds on ATM withdrawal fees, nationwide* 
  • Use your MasterCard® debit card anywhere MasterCard is accepted 
  • Link your account to Kasasa Saver® to build your savings

*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. "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): (1) Kasasa Cash Back: 3.00% cash back on up to a total of $9.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle ; (2) Kasasa Saver: Average balances up to $7,500.00 receive APY of 0.30% and average balances over $7500.00 earn 0.15% interest rate on the portion of balance over $7500.00, resulting in a range from 0.30% to 0.15% APY depending on the account's balance. (3) ATM Fee Reimbursements: In addition, you will receive reimbursements up to $10.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within 60 calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made, ATM fees are not refunded and all balances in Kasasa Saver account earn 0.05% APY. Interest, cash back payments and ATM fee reimbursements from your linked 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. 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. Monthly ACH debit or credit posted per statement cycle, 12 debit card purchases posted and settled monthly, access online banking monthly, and receipt of electronic statements are qualifications of this account. Limit 1 account per social security number. 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 service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total interest paid $0

Certificates of Deposit (CDs)

Term Balance Interest Rate APY
91 Day1 $2,500+ 1.75%

1.76%

182 Day1 $2,500+ 2.25% 2.26%
12 Month2 $500 - $4,999.99 3.45% 3.49%
12 Month2 $5,000 - $44,999.99 3.55% 3.60%
12 Month2 $45,000+ 3.65% 3.70%
24 Month2 $500 - $4,999.99 3.35% 3.39%
24 Month2 $5,000 - $44,999.99 3.45% 3.49%
24 Month2 $45,000+ 3.55% 3.60%
36 Month3 $500 - $4,999.99 3.35% 3.39%
36 Month3 $5,000 - $44,999.99 3.45% 3.49%
36 Month3 $45,000+ 3.55% 3.60%
48 Month3 $500 - $4,999.99 3.35%

3.39%

48 Month3 $5,000 - $44,999.99 3.45% 3.49%
48 Month3 $45,000+ 3.55% 3.60%
60 Month3 $500 - $4,999.99 3.35% 3.39%
60 Month3 $5,000 - $44,999.99 3.45% 3.49%
60 Month3 $45,000+ 3.55% 3.60%

Grace Period of 10 calendar days after maturity.

1Penalty of 30 days interest is imposed on early withdrawal.

2You must maintain a minimum daily balance to obtain the disclosed annual percentage yield. Penalty of 90 days interest is imposed on early withdrawal. Interest is credited and compounded quarterly.

3Early withdrawal penalty of 180 days interest.

Checking Accounts

Account Balance Interest Rate APY
NOW Account $800 average balance 0.45% 0.45%
Edge Checking Entire balance 0.45% 0.45%

Education CD

Term Balance Interest Rate APY
42 Month4 $100+ 3.45% 3.49%

Grace Period of 10 calendar days after maturity.

4Additional deposits permitted. Interest is compounded and credited quarterly. Account is for ages 18 and under and will not renew after the child reaches age 18. After the child reaches age 18 there is no penalty for early redemption.

Health Savings Account (HSA)

Balance Interest Rate APY
$0 - $1,999.99 0.75% 0.75%
$2,000 - $4,999.99 1.00% 1.00%
$5,000+ 1.25% 1.26%

Individual Retirement Accounts (IRAs)

Balance Interest Rate APY
$0 - $24,999.99 3.15% 3.20%
$25,000 - $44,999.99 3.25% 3.30%
$45,000+ 3.50% 3.56%

Kasasa Cash*

Balance Interest Rate APY
0 - $7,500 1.98% 2.00%
$7,500.01+ 0.25% 2.00% to 0.37%
All balances if qualifications not met 0.05% 0.05%

*Qualifications

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 ACH transaction post and settle
  • Be enrolled in and agree to receive E-Statements
  • Be enrolled in and log into online banking monthly

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!

Kasasa Saver*

Balance Interest Rate APY
0 - $7,500 0.30% 0.30%
$7,500.01+ 0.15% 0.30% to 0.16%
All balances if qualifications not met 0.05% 0.05%

 

*Qualifications

Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Premier Saver interest rate too. Simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH transaction post and settle
  • Be enrolled in and agree to receive E-Statements
  • Be enrolled in and log into online banking monthly

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

Money Market Accounts

Account Average Balance Interest Rate APY
Money Market Savings $2,500+ 0.45% 0.45%
Super Money Market  Account $.01 - $4,999.99 0.75% 0.75%
Super Money Market  Account $5,000 - $19,999.99 1.25% 1.26%
Super Money Market  Account $20,000 - $44,999.99 2.25% 2.27%
Super Money Market  Account $45,000+ 3.25% 3.30%

Savings Accounts

Account Balance Interest Rate APY
 Savings Account Entire balance 0.30% 0.30%