Free checking. Awesome rates.
Cash back checking accounts

Free Kasasa Cash® Checking

Get paid monthly — in high interest and refunds on ATM withdrawal fees.**

At First Bank of the Lake, we basically pay you to bank here. Open a free Kasasa Cash® checking account and get rewarded for doing simple banking activities, like using your debit card.

Earn up to 2.00% APY* and get refunds on your ATM withdrawal fees, nationwide. Add Kasasa Saver® to your account to make saving easy and automatic. Visit us today to open your accounts!


  • Free checking that pays high interest
  • 2.00%% APY* on balances up to $10,000
  • 2.00% to 0.41% APY on balances over $10,000 depending on balance in account**
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)**
  • Link to free Kasasa Saver to build savings automatically
  • Kasasa Protect™ available at a discounted rate
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Free e-statements
  • Free debit card
  • $25 minimum deposit to open

Please note that enrolling in e-statements is a condition of having this account.

Here’s how easy it is to earn your rewards:
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
  • Be enrolled in and log into online banking

That’s it! And even if you don’t meet these qualifications, there are no penalties and you still have a free account. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

**Please Click Here For Our Kasasa Cash Disclaimer

** Please Click Here For Kasasa Qualification Cycle & Statement Cycle Dates

*APY=Annual Percentage Yield

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Contact Us to Learn More
About Our Kasasa Checking Accounts!

Kasasa Cash Checking gives cash back!


First Bank of the Lake
4558 Osage Beach Parkway, Suite 100
Osage Beach MO 65065 




member FDIC


Lobby Hours
Mon - Fri 8:30 AM - 4:00 PM

Drive Up Hours
Mon - Fri 8:00 AM - 5:00 PM

Lobby & Drive Up
8:00 AM - 12:00 PM

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