Checking
Free Mobile and Online Banking, No-Fee Debit Cards, and Access to a Nationwide Network of Surcharge-Free ATMs.
Kasasa Cash
Free Kasasa Cash® checking pays you in ways that matter. Earn 1.00% APY and refunds on your ATM fees, nationwide.*
Connect your Kasasa Cash account to a free Kasasa Saver® to build your savings automatically. Choose free Kasasa Cash checking at Ohnward Bank & Trust.
- Free checking that rewards you with high interest
- 1.00% APY* on balances up to $15,000
- 1.00% to 0.28% APY on balances over $15,000 depending on balance in account*
- 0.05% APY* if eligibility requirements aren't met
- Refunds on ATM fees nationwide (unlimited)*
- Can link to high-interest Kasasa Saver account
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking & bill pay
- Free mobile banking
- Free eStatements
- Free MasterCard® debit card
- Free telephone banking
- Unlimited check writing
- A deposit is required to open account
- Online eStatements are required
It's Easy to Earn Rewards
Just do some banking basics that you're probably already doing (we call them eligibility requirements)! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each qualification cycle:
- Have at least 10 debit card transactions posted and settled to your account
- Have at least 1 direct deposit or ACH Auto Debit posted and settled
- Receive your monthly statement electronically
That's all! Even if you don't qualify during a month, your Kasasa Cash account is free. And you get right back to earning your rewards the very next month by meeting the above requirements!
Kasasa Cash Back
Free Kasasa Cash Back® pays cash back up to 3.00% on your debit card purchases and refunds on your ATM fees.*
You go shopping, we reward you for it. Free Kasasa Cash Back® checking pays 3% cash back (up to $9) on your everyday debit card purchases each month.*
You'll also get refunds on your ATM fees, nationwide.* Easily grow your savings by linking Kasasa Cash Back to a free Kasasa Saver® account. Do you Kasasa?®
Details
- Free checking that rewards you with cash back
- 3% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $9 cash back per month
- Refunds on ATM fees, nationwide (unlimited)*
- Link to Kasasa Saver to build savings automatically
- No monthly service fee
- No minimum balance to earn rewards
- Free online banking & bill pay
- Free mobile banking
- Free eStatements
- Free MasterCard® debit card
- Free telephone banking
- Unlimited check writing
- A deposit is required to open account
- Online eStatements are required
It's Easy to Earn Rewards
Just do a few easy things that you're probably already doing (we call them eligibility requirements)! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each qualification cycle:
Have at least 10 debit card transactions posted and settled to your account
Have at least 1 direct deposit or ACH Auto Debit posted and settled
Receive your monthly statement electronically
That's all! Even if you don't qualify during a month, your Kasasa Cash Back account is free. And you get right back to earning your rewards the very next month by meeting the above requirements!
Kasasa Saver
Save automatically with free Kasasa Saver®, a high-interest account that connects to your Kasasa® checking. Add free Kasasa Saver®, an account that connects to your equally free Kasasa Cash® or Kasasa Cash Back® checking account.
Each month you earn cash rewards in your Kasasa® checking, those earnings automatically transfer into your Kasasa Saver. There your balance earns 0.50% APY.* It's like we pay you to bank here!
Details
- Free account that builds your savings automatically
- Linked to free Kasasa Cash or Kasasa Cash Back account
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- 0.50% APY* on balances up to $35,000
- 0.50% to 0.27% APY on balances over $35,000 depending on balance in account*
- 0.05% APY* if eligibility requirements are not met on Kasasa Cash or Kasasa Cash Back
- No monthly service fee
- No minimum balance to earn rewards
- Free online banking
- Free mobile banking
- Free eStatements
- Free telephone banking
- A deposit is required to open account
- Online eStatements required
It's Easy to Earn Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. As a reminder, to earn your rewards simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each qualification cycle:
- Have at least 10 debit card transactions posted and settled to your account
- Have at least 1 direct deposit or ACH Auto Debit posted and settled
- Receive your monthly statement electronically
That's all! Even if you don't qualify during a month, your Kasasa Saver account is free. And you get right back to earning your rewards the very next month by meeting the above requirements!
Standard Checking
A no cost, non-interest bearing checking account.
Details
- No minimum balance & No maintenance fees
- Unlimited check writing
- Free Debit Card/ATM Card
- Deposit required to open account
Supreme Club Checking
An Interest bearing account with special features and benefits for the 55 and older club.
Details
- No Minimum Balance & No Maintenance Fee
- Free Debit Card/ATM Card
- Free Specialty Checks
- Variable Interest Rate Computed on Daily Balance and Paid Monthly
- Discount on Safe Deposit Box
- Ask about Special Features and Benefits for 55 and older club
- Deposit required to open account
Health Savings Account
Health Savings Account (HSA) is a special checking account that offers tax savings for individuals and families who are covered under high deductible health insurance plans.
Details
- Tax savings for those who are covered under high deductible health insurance plans
- Free Debit Card (Health)
- No fee for six withdrawals per month. $1.00 per withdrawal over six.
- Variable interest rate computed on daily balance and credited monthly
- Monthly maintenance fee $3.00
In Our Cedar Rapids Office, Contact:

Sierra Osborn
sosborn@ohnwardbank.com
319.363.0261

Maureen Sweeney
msweeney@ohnwardbank.com
319.363.0261
In Our Marion Office, Contact:

Savanna Crandall
scrandall@ohnwardbank.com
319.373.1371

Taylor Matus
tmatus@ohnwardbank.com
319.373.1371
In Our Cascade Office, Contact:

Angie Burger
aburger@ohnwardbank.com
563.852.7696

Mary Finzel
mfinzel@ohnwardbank.com
563.852.7696
In Our Monticello Office, Contact:

Kiana Secrist
ksecrist@ohnwardbank.com
319.465.6173

Suzan Ehlers
sehlers@ohnwardbank.com
319.465.6173
In Our Baldwin Office, Contact:

Heather Scott
hscott@ohnwardbank.com
563.673.5711
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Janet Scott
jscott@ohnwardbank.com
563.852.7696
In Our Central City Office, Contact:

Liz Henderson
lhenderson@ohnwardbank.com
319.438.6001

Lori Bertling
lbertling@ohnwardbank.com
319.438.6001