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Keystone Bank 3.50% APY Kasasa Debit Review

Keystone Bank 3.50% APY Kasasa Debit Review

Keystone Bank is offering a nice 3.50% APY Kasasa Cash checking account.

This is an extremely high APY for accounts up to $50,000, provided that all requirements are met.

This offer is limited to residents of Texas only.

With such a high APY and liquid access to your accounts, this online checking account is one of the highest rates on the market.

The requirements are as follows:

  • 12 debit card transactions per billing cycle (min $3.50)
  • Enrolled in e-statements
  • At least 1 direct deposit per month
  • Deposit at least $25 when signing up

The requirements really aren’t too much, other than the 12 purchases per cycle. If you don’t use your debit card a lot, you may want to start in order to qualify for this APY.

Keystone Bank checking account details

  • Account type: Kasasa Cash Checking
  • Interest: 3.50% APY
  • Minimum balance: $0
  • Maximum balance: $50,000

How to get the high rate

  1. Sign up for an account here
  2. Deposit at least $25 when signing up
  3. Complete at least 12 debit purchases per cycle – at least $3.50 each
  4. Make at least 1 direct deposit per month, and be sure you’ve set up this deposit account
  5. Enroll in electronic statements (not paper)


This checking account has no fees associated with the account.

Overall review

This is a definite solution to those who already make debit card transactions per month. Earn an extra 3.50% APY. Typically, debit accounts earn much lower APYs than high-yield saving accounts.

Texans should definitely using this as their solution for online debit with the high APY.

What do you think?