Personal Checking Accounts

Welcome to Douglas National Bank - We're the bank you've been waiting for! Check our rates . . . You will find them very competitive. In many cases, you may not even have to pay a monthly service fee or per check charge.


Kasasa Checking*

  • Earn High Interest Rate and ATM Fee Refunds when qualifications are met per monthly cycle
  • Atleast 10 Check Card Purchases
  • Atleast 1 Direct Deposit or Automatic Payment from your account
  • Receive Online Statements
  • $50 minimum deposit required

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Ditch the outdated ideas about checking accounts and get savvy with free Kasasa Cash checking, now offered right here at Douglas National Bank. Not only is it free; it pays YOU! So start earning high interest on your money, and stop worrying about pesky ATM fees (we’ll cover those, nationwide*)!

Get even savvier and add a Kasasa Saver account . It links directly to your Kasasa Cash account so you can grow your savings, without even having to think about it!

  • 2.00% APY* on balances up to $25,000
  • 1.00% - 0.25% APY on balances over $25,000 depending on balance in account*
  • 0.25% APY* if qualifications aren't met
  • ATM fee refunds nationwide*
  • Can link to high-interest Kasasa Saver account
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking with bill pay
  • Free e-statements
  • Free debit card
  • Unlimited check writing
  • $50 minimum deposit to open

Earning Rewards Is Easy:

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 Direct Deposit or 1 ACH Auto Debit post and settle

And, that’s it! Don’t worry if you don’t qualify one month. Your account will still earn 0.25% APY* — and it’s still free. Plus, you can get right back to earning a higher rate – and refunds on ATM fees – the very next qualification cycle!

*APY=Annual Percentage Yield. APYs accurate as of 11/03/2014. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $50 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.00%; and (3) balances over $25,000 earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 2.00% - 0.50% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.25% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

What if we told you you could earn 3.0% cash back* on everyday debit card purchases, just for doing things you’re probably already doing? And that with the same checking account, you wouldn’t have to worry about ATM fees – no matter where in the U.S. you might be*? Well, free Kasasa Cash Back checking is here, and all of the above is true!

Link your free Kasasa Cash Back checking account to Kasasa Saver® and turn your rewards into automatic savings.

  • 3.0% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on purchases up to $300 monthly
  • Earn up to $9 cash back per month
  • ATM fee refunds nationwide*
  • Link to Kasasa Saver to build savings automatically
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free e-statements
  • Unlimited check writing
  • $50 minimum deposit to open

Earning Rewards Is Easy:

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 Direct Deposit or 1 ACH Auto Debit post and settle

If you don’t qualify for the month, no worries! Your account is still free, and you can get right back to earning cash back on everyday purchases — and refunds on your ATM fees — the very next month!

*Minimum to open is $50. When monthly qualifications are met, you will receive 3.0% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9 per monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Looking to take your savings to the next level? Look no further, because Douglas National Bank is now offering Kasasa Saver. Linked to your Kasasa Cash® or Cash Back®, this high-interest account gives you front row seats to watch your savings grow as your monthly rewards from your Kasasa Cash or Cash Back account are transferred to it each month.

  • Linked to free Kasasa Cash® or Kasasa Cash Back® account
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back rewards
  • 2.00% APY* on balances up to $25,000
  • 1.00% to 0.25% APY on balances over $25,000 depending on balance in account*
  • 0.25% APY* if qualifications are not met on Kasasa Cash
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • $50 minimum deposit to open

Earning Rewards Is Easy:

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Cash Back checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 Direct Deposit or 1 ACH Auto Debit post and settle

And, that’s it! Don’t worry if you don’t qualify one month. Your account will still earn 0.25% APY* — and it’s still free. Plus, you can get right back to earning a higher rate the very next qualification cycle!

Kasasa Saver with Kasasa Cash

*APY=Annual Percentage Yield. APYs accurate as of 11/03/2014. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $50 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.00%; and (3) balances over $25,000 earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 2.00% - 0.50% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.25% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $25,000 in Kasasa Saver earn 0.50% interest rate on portion of balance over $25,000, resulting in 1.00% - 0.60% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.25% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Kasasa Saver with Kasasa Cash Back

*APY=Annual Percentage Yield. APYs accurate as of 11/03/2014. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash Back and $50 for Kasasa Saver. When monthly qualifications are met, you will receive 3.0% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9 per monthly qualification cycle. ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $25,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over 25,000 in Kasasa Saver earn 0.50% interest rate on the portion of the balance over $25,000, resulting in 1.00% - 0.60% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.25% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.


Personal Money Market*

  • No maintenance fee when minimum daily balance of $2,500 is maintained; $7.50 maintenance fee if balance falls below $2,500 any day of the statement cycle
  • $1,500 minimum deposit required to open
  • Transfers to another account or to third parties pre authorized, automatic, telephone or computer are limited to 6 per monthly cycle. A per debit fee of $10 will be charged for each transaction in excess of the above limitations

Regular Checking*

  • No monthly maintenance fee if minimum daily balance of $500 is maintained; $7.50 monthly maintenance fee if balance falls below $500 any day of the statement cycle plus $.20 per debit
  • $50 minimum deposit required to open

Advantage Checking*

  • Unlimited check writing with no per check charges
  • $7.50 Monthly maintenance fee
  • $50.00 Minimum deposit required to open
  • Free custom and official checks
  • $5.00 discount on safe deposit box (subject to availability)

Interest Bearing Checking*

  • Interest credited monthly
  • No monthly maintenance fee when minimum daily balance of $1,000 is maintained; $7.50 service charge if balance falls below $1000 any day of the statement cycle plus $.20 per debit
  • $100 minimum deposit required to open

*No Fees for Douglas National Bank ATM Transactions. $5.00 fee for any account closed within the first 90 days.

**Earn interest on all balances in the account. Interest compounded daily; daily periodic rate applied to principal in the account each day; interest rate subject to change at any time; interest begins to accrue on the business day we receive your no-cash deposit (i.e. Check).