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Free Kasasa Tunes® checking hits all the right notes! Get reimbursed up to $7 each month for iTunes®, Amazon®, and Google Play™ purchases. And just for signing up, you'll earn $10 in download reimbursements, instantly. Plus, get refunded for ATM withdrawal fees up to $30 nationwide,* so you're never stuck having to pay a fee at a non-Cross Bank ATM. There's also no minimum balance requirement to earn rewards and no monthly service fees.

  • Free checking that pays you to shop online
  • Earn $7 in refunds for iTunes®, Amazon®, or Google Play™ purchases every month*
  • Get $10 in refunds for iTunes, Amazon, or Google Play purchases when you open your account*
  • Refunds on ATM withdrawal fees, nationwide (up to $30 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking & bill pay
  • Free eStatements
  • Free mobile banking
  • Free Visa® debit card
  • Unlimited check writing
  • $10 minimum deposit to open


To earn your rewards, just do the following transactions and activities in your Kasasa Tunes account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Tunes account is still free. And you can get right back to earning your rewards the very next month!

Do you currently have an account with Cross Bank?

*$10.00 minimum deposit to open account. When qualifications are met during each monthly qualification cycle: (1) you will receive up to an aggregate total of $7 in refunds for iTunes, Amazon, or Google Play purchases. (2) Nationwide ATM fees incurred during the monthly qualification cycle will be reimbursed up to $30. Refunds and ATM reimbursements will be credited to your account on the last day of the current Statement Cycle immediately following the one in which these purchases post and settle to your account and the ATM fees were incurred. Purchases must be made with the debit card associated with your Kasasa Tunes account. Qualifying transactions must post and settle to the account during each monthly qualification cycle. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card transactions processed by merchants and received by our bank as ATM transactions, PIN-based, signature based, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Transactions may take one or more business days from the date the transaction or activity occurred to post and settle to the 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. iTunes is a registered trademark of Google, Inc. Apple Inc., and Google, Inc. are not participants in or sponsors of this program. Limit of (1) one Kasasa account per social security number. Accounts are available to Arkansas residents and for personal use only. Effective November 2016.