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Kasasa Cash Back - free checking that earns you up to $7.50 cash back.

Quality customer service is a key ingredient to our success. We want to make it easy for you to contact us—anytime from any place. We’re here to help you by phone or by e-mail to answer any of your questions and concerns. We want to serve you quickly, conveniently and comprehensively.

Financial Tips

Does your employer offer a 401k plan? A little bit every pay check can make a huge difference when you get ready to retire.

Free Kasasa Cash Back® Checking

Forget about collecting thousands of points to redeem for things you don't really need. Our free Kasasa Cash Back® checking account can reward you with actual cash back if you meet the qualifications. Earn 3% of your debit card purchases of up to $250.00 per month (up to $7.50 per month cash back* ). Link your account to a free Kasasa Saver® to build your savings automatically.

3% Cash Back on everyday debit card purchases of up to $250.00 total purchases per month if qualifications are met. Up to $7.50 Cash Back total reward per monthly qualification cycle (up to $7.50 per month).

Qualifying is Easy

Here's how to meet the requirements to earn your rewards . . .

Just do the following activities and transactions in your Kasasa Cash Back® account during each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle to your Kasasa Cash Back® account
  • Be enrolled and log into online banking
  • Be enrolled and agree to receive e-statements to a submitted valid email account

That’s it! Even if you don’t meet your monthly qualifications, your Kasasa Cash Back® account is always free. Plus, you can get right back to racking up rewards– like cash back in your pocket and some of your ATM withdrawal fees refunded – the very next month if you meet all qualifications!

  • Refunds on ATM fees nationwide (up to $25 monthly) if qualifications are met*
  • No minimum balance to earn rewards
  • No monthly service fees
  • FREE Online & Mobile Banking
  • FREE Bill Pay
  • FREE E-Statements
  • Unlimited Check Writing
  • $25 minimum deposit to open
  • FREE ATM Transactions at Industrial Bank ATMs
  • Interested in finding out more about Kasasa Checking accounts? Contact your local banking center today!

    *Qualification and Limitation Information:  Qualifications, Limitations, and Rewards vary by account.  Each individual is limited to one Kasasa checking account.  Industrial Bank is not responsible for any delay by merchants in processing their transaction. Transactions and activities may take one (1) or more Business Days from the date the transaction or activity occurred to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: transactions in “pending” state, ATM-processed transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank, transfers between accounts, debit card transactions received by Industrial Bank as ATM transactions, ATM Withdrawals.  Bundled transactions received as a single transaction count as a single transaction.  “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.
    Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3% cash back, up to an aggregate amount of $7.50 per monthly qualification cycle, on everyday debit card purchases totaling $250 or less that post and settle to your account during the monthly qualification. The account will receive reimbursements up to an aggregate total of $25 (max. $4.99 per single transaction without a receipt presented) for nationwide ATM withdrawal fees imposed by other financial institutions incurred during the monthly qualification cycle in which you qualified.  An ATM receipt must be presented within 60 days of the transaction for reimbursements of individual ATM withdrawal fees of $5.00 or higher that are within the $25.00 maximum reimbursement for the cycle during which the withdrawal was incurred.  If you believe you have not been reimbursed the correct amount of ATM withdrawal fees you must contact us within thirty (30) calendar days after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.  
    Additional Information: $25.00 minimum deposit is required to open the account.  Account approval, conditions, qualifications, limits, timeframes, enrollments, logins, specific transactions, valid email address provided and in use, and other requirements apply.  Monthly online banking log-on, agreement to receive electronic statements and the receipt of electronic statements, and 12 POS transactions that post and settle to your Kasasa checking account during the monthly statement cycle are conditions to receive rewards. There is no fee to open or close this account; there is no minimum balance requirement to avoid being charged a fee.  There are no per check or per deposit fees charged. Contact one of our Industrial Bank service representatives for additional information, details, restrictions, processing limitations, rate calculations, and enrollment instructions.
      Kasasa Cash Back is trademarks of Kasasa, Ltd., registered in the U.S.A. Industrial Bank Member FDIC

    Kasasa Protect is Industrial's newest way to keep our customers' safe from data breaches, credit card fraud as well as identity theft. Ask your banker today about all the ways Kasasa Protect can help you feel safe and secure!  


    If you need additional assistance, our Customer Service Department is available Monday through Friday from 8:30 am to 6:00 pm Eastern Standard Time at  202-722-2000; or info@industrial-bank.com. Any inquiries received after hours will be addressed the following business day.


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    Check Card Rewards Program

    Industrial Bank offers the convenience of card access for making purchases at merchants worldwide and for deposits and withdrawals at ATMs. We also reward you for your purchases.


    Thank you to Industrial Bank for helping the black church throughout your entire 80 years. Thank you for how you empower the community.

    Rev. Dr. G. Browning
    Pastor of Ebenezer AME Church

    Industrial has made a big difference in the African American community. So many people depend on it. I’m so proud of them and all they do.

    V. Ali
    Co-owner of the popular DC eatery Ben’s Chili Bowl

    They are very straightforward without the gimmicks and hidden fees. The Business/Non-profit account fees they do have are the lowest, especially in the DC Metro area. I love this bank and can't believe I had not tried them sooner.


    So neat to just learn that this bank still exists and to know that it has existed for 80 years. I know that it was right down the street from me when I was a child now I am 61! :-)

    Gaye Bri Moore

    With my new job, I will be depositing my coins into a Black Owned bank (@BankIndustrial). Goodbye, Bank of America.

    D. Gambrell @DcsMediaDiva

    As a millennial I'm proud to be a part of @BankIndustrial. -@savantmusa

    Another awesome experience at @BankIndustrial. I discussed the need for an internship for students with them. Gotta look out for the youth.

    M. Hughes

    We are moving our resources to a Black bank @BankIndustrial in DC that is investing & helping our community. @revtonylee #ReachWithUs - ABFE @ABFE

    The DC Chamber is proud to support and to provide value funding to DC area companies fueled by great ideas and sound business leadership. The winners of this grant program represent some of the best and brightest of the region’s leading small businesses.

    H. Wingo

    The grant that we were able to receive today from Industrial will truly help fuel the next step of growth for our company. This type of commitment to small businesses is what makes Industrial a valued partner for us and other growing companies.

    R. Chambers
    CEO of Advance Employee Intelligence

    Our commitment has only grown stronger though the years, and we stand poised to bring our unwavering commitment of delivering convenient, personalized, high-quality products to the communities we serve.

    B. Doyle Mitchell, Jr.
    President/CEO of Industrial Bank

    Banking with Industrial has been easy. My banker at the Oxon Hill banking center helped me establish a Student Checking account, so now I can bank on the go.

    C. Johnson
    College Student

    Industrial helped me make my small business more successful. I received an SBA-expedited loan and merchant services, and I get fantastic service.

    M. Luiz
    Small Business Owner

    I never knew helping my customers could be so easy! Industrial offers mortgage products and friendly service to help first-time home buyers, with no down payment!

    J. Smith

    Bank When You Want, Where You Want

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