Kasasa Tunes - Digital Rewards Checking Account | Guntersville, AL - Albertville, AL - Arab, AL | Citizens Bank & Trust

Kasasa Tunes

Kasasa Tunes

Tune into free checking that rocks! Kasasa Tunes® reimburses you for Amazon.com® and iTunes® purchases each month if you meet qualifications!* We'll also give you $10 in Amazon.com and iTunes purchases just for signing up! And if that's not enough, we'll even refund your ATM fees nationwide if you meet qualifications!

All you need to do are things you're probably already doing anyway — things like signing up for free eStatements and using your debit card to make purchases. This account is music to any shopper's ears!

  • Earn up to $5 every month in iTunes® or Amazon.com® downloads*
  • Earn $10 in iTunes or Amazon.com downloads at sign up*
  • ATM fee refunds nationwide up to $10 per month ($5 per single transaction)*
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking with bill pay
  • Free mobile banking**
  • Sign up for monthly eStatements
  • Free telephone banking
  • Free Visa® debit card***
  • Unlimited check writing
  • $25 minimum deposit to open

Schedule of Fees

Earning Rewards Is Easy

Qualifying for rewards is so easy you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Tunes account each monthly qualification cycle:

  • Enroll and receive eStatements notice
  • Have at least 10 debit card transactions post and settle

Now you're ready to rock! And if for some reason you don't qualify one month, no worries. Your account is still free. You can get back to earning your full rewards the very next monthly qualification cycle.

*The minimum to open account is $25. You will be refunded up to $10 for iTunes® and/or Amazon.com® purchases that post and settle your account during the first 30 days after you open account. This sign up reward must be used within 30 days of account opening. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post and settle to your account during the monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle 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. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 ($5 per single transaction) if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Transfers between accounts do not count as qualifying transactions. Limit one Kasasa account per SSN. ATM-processed transactions and withdrawals do not count towards qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher. Non-qualifying accounts will not be eligible to receive ATM fee reimbursements or Kasasa Tunes rewards during the statement cycle(s) that they do not meet qualification criteria.

**Third party fees for data and messaging may apply.

***Overdraft and returned item fees may apply.

ELIGIBILITY REQUIREMENTS. You must deposit $25.00 to open this account.

DORMANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $4.00 per month will be charged after 12 months of inactivity.

PROCESSING ORDER. All credit transactions are processed first. Debits will be processed as follows in ascending order: withdrawal or transfers, outgoing wires, ATM / POS transactions, electronic transactions, health savings account transactions and then checks are paid in serial number order.

TRANSACTION LIMITATIONS. No transaction limitations apply to this account.


QUALIFICATIONS: To qualify for the InControl Checking fee waiver an account holder must meet the following requirements per monthly qualification cycle: 8 debit card purchases must post and settle to your account or you must receive your monthly statement electronically.

MONTHLY QUALIFICATION CYCLE: The 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 statement cycle. When the monthly qualification cycle ends on a weekend or holiday the statement cycle will close on the last business day prior to the normal monthly qualification cycle day.

ATM FEE REIMBURSEMENTS. If qualifications are met each monthly qualification cycle, nationwide ATM fees incurred during the cycle will be reimbursed and credited to the account on the closing day of the statement cycle. The maximum ATM refund per cycle is $10.00. The maximum ATM fee refund per transaction automatically credited is $4.99. If an ATM fee exceeds $4.99, it will be credited upon request if the total amount credited that cycle will be $10.00 or less. Non-qualified accounts are not eligible to receive ATM fee reimbursements during the statement cycle(s) that they do not meet both qualification criteria.

KASASA TUNES REWARDS. If you have met your qualifications for the monthly qualification cycle, we will reimburse online purchases made at either the iTunes store or at Amazon.com during the following monthly qualification cycle up to a maximum of $5.00 (which includes any applicable sales tax). In order to be reimbursed, purchases must be completed using the debit card associated with your Kasasa Tunes account and cannot be paid to a third party vendor via Amazon, and must post and settle to the account during the monthly qualification cycle following the monthly qualification cycle in which you met the qualification requirements. The reimbursement amount will be credited on the banking day after the end of the monthly qualification cycle in which the purchases posted and settled to your account. For example, if a customer qualifies in July they will be credited at the end of August for Amazon.com or iTunes purchases made in August.

POST AND SETTLE: Transactions may take one or more banking days from the date of the transaction for the transaction to post and settle. The transaction date for qualification purposes is the date that the transaction posts and settles to the account, not the date the transaction occurred if they are different.

Customers will not auto-qualify for the first statement cycle, instead customers receive a sign up bonus of up to $10.00 for purchases made from iTunes and Amazon.com. The bonuses must be used within 30 days of opening a Kasasa Tunes Account.

FEES AND CHARGES: Please refer to the separate fee schedule provided to you with this disclosure for information about fees and charges associated with this account. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.