Personal Checking

Earn Up To 6.05% APY With Highmark Rewards Checking

On Balances Up To $10,000
 
Get free checking that earns rewards every month you qualify:
  • Your choice of cash rewards*
  • Refunds on ATM withdrawal fees, nationwide*
  • No monthly maintenance fees, ever
  • No minimum balance to earn your rewards
 
 Account Details KASASA Cash  KASASA Cash w/ Car Loan KASASA Cash  Back
Free Kasasa Saver Account* Yes Yes Yes
Monthly Rewards Yes Yes Yes
Monthly Maintenance Fee
 No No No
Refunds on ATM Fees Up to $20 monthly Up to $20 monthly Up to $20 monthly
Free Online and Mobile Banking Yes Yes Yes
Free Debit or Spirit Card Yes Yes Yes
Minimum Opening Deposit $0 $0 $0
eStatements Enrollment Required
 Yes Yes Yes
Rewards
 4.50% APY* on balances up to $10,000 6.05% APY* on balances up to $10,000
Earn 4.00% or 5.00% cash back on debit card purchases up to $200
($8 per month)
- or -
$10 per month back with qualifying loan
Ideal For
 Members with higher checking balances wanting to make interest on their balance. Members who already have a vehicle loan with Highmark and who desire a higher interest rate on their checking balance.
Members with lower balances/not focused on maximizing interest on balance.
*** Note that there are some qualifications for earning Kasasa Rewards:
 

Qualifying for Kasasa Cash Rewards Is Easy…

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 12 debit card purchases with a minimum purchase of $5.00 each
    • note that online bill pay or recurring payments do not count towards the 12 minimum  transactions. 
  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • Be enrolled in and agree to receive e-statements
  • For 6.05% APY - Must also have a vehicle or recreational vehicle loan with Highmark. Loan must be in good standing. 
Please note that  a limit of 1 account per SSN is a condition of having this account.

And if you don’t meet these qualifications, don’t worry — your account is still free. You’d simply earn our base rate; plus, you can get right back to earning your full rewards the very next cycle that you qualify.
Get checking that rewards you for everyday banking. Earn up to 6.05% interest on your checking balance and get refunds on ATM withdrawal fees, nationwide.
Checking Details

Get paid to shop! Enjoy cash back on debit card purchases and refunds on ATM withdrawal fees, nationwide.
Checking Details









































Overdraft Courtesy Pay Option

If you’ve ever dealt with a returned check or had a debit card unexpectedly declined, you know it doesn’t take much more than a few math errors to end up in an awkward situation. Despite your best efforts to keep an accurate account balance, accidents can and will happen. Maybe your paycheck hasn’t hit your account yet, or your spouse got a tank of gas on the way to work and forgot to tell you. By opting into Highmark's Courtesy Pay Service, you can avoid the embarrassment and excessive merchant charges from insufficient funds.
 
Overdraft Line of Credit
As a convenience to our checking account members, Highmark offers overdraft protection on your accounts.
 
Access to ATMs, Drive-Thrus, night deposits, 5 branch locations and shared Co-Op branching nationwide.
 
 
Man using credit card in coffee shop
 
 
 
 

Earn Rewards for what you already do!

With Highmark Everyday Rewards, earning has never been easier. Make debit card purchases at participating stores and earn rewards that you can redeem for cash back. All at no additional cost without any enrollment.

 
Learn More
 

How it works:

  1. You'll be automatically enrolled and ready to earn when you open your checking account. No need to download another app or make a new password.
  2. You'll receive a welcome email with a link to your personal Highmark Everyday Rewards dashboard. Use this dashboard to explore your offers and redeem rewards. Emails from "RewardLocally.com" are legitimate and can be trusted.
  3. Earn rewards when you make debit card purchaes at participating retailers. Rewards may take 60-90 days to become available.
  4. You'll receive an email at the end of each cycle to remind you to redeem your available rewards.
  5. Go to your Highmark Everyday Rewards dashboard to redeem your rewards. If you forget your dashboard URL, visit  click 'SEE MY REWARDS" and enter your email address.