Couple Kayaking together during sunset on the water


OakStar Bank wants to ensure that you pay yourself first. Our personal savings accounts are available with features and benefits that will satisfy your savings needs along with rates that are superior to our competition.
This is a free personal savings account that pays you in high interest every month! It connects to your Kasasa Cash or Kasasa Cash Back checking. Each month that you qualify for rewards in your Kasasa Checking, those rewards automatically transfer into Kasasa Saver. There, your savings earn 0.60% APY!*

  • Links to free Kasasa Cash or Kasasa Cash Back account
  • Kasasa Cash or Kasasa Cash Back rewards automatically transferred
  • 0.60% APY* on balances up to $25,000
  • 0.25% APY* on balances over $25,000
  • 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free Online Banking
  • Free Mobile Banking
  • Free eStatements


Easy! Qualifying for the Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) direct deposit or auto debit post and settle
  • Be enrolled in and log into Online Banking
  • Be enrolled in and agree to receive eStatements


Even if you don't meet your qualifications, your Kasasa accounts are still free — and you'll still earn our base rate of interest on Kasasa Saver! Plus, you can get right back to earning your rewards the very next monthly qualification cycle.

*Reward Information: Rewards vary by account. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, your Kasasa Saver account balances up to $25,000 receive an APY of .60%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from .60% to 0.25% APY depending on the account’s balance. When qualifications are not met, all Kasasa Saver balances earn 0.05% APY and only the non-qualifying interest or dividends from the Kasasa Checking account is transferred to your Kasasa Saver account. Interest or dividends, cash back payments and ATM fee reimbursements are credited to the appropriate account on the last day of the statement cycle and are automatically transferred to the linked Kasasa Saver account at the same time or within one day. This automatic transfer may cause an overdraft to your Kasasa Checking account, if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 12/18/2019. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. A $25 minimum deposit is required to open the account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, Kasasa 360) and log-ons may be required to meet some of the account’s qualifications. A Kasasa Checking account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Comparison Source: Interest Checking, FDIC Contact one of our dedicated OakStar Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.Account available only to residents of Missouri, Kansas, and Arkansas. Member FDIC


  • Minimum amount to open an account is $100
  • Can be linked to Debit Card for Transfers/Withdrawal*
    *ATM Only, No Point of Sale Purchases
  • Online Banking
  • Maintain a daily balance of $100 to avoid $8.00 quarterly maintenance fee.


  • Minimum amount to open an account $2,500
  • ATM/Debit card
  • Unlimited in person transfers & withdrawals
  • Online Banking
  • Monthly statement showing all transactions
  • Maintain $2,500 minimum daily balance or $2,500 average daily balance to avoid the $10 monthly maintenance fee


  • Minimum amount to open an account $10
  • Available to customers under 18 years of age
  • Quarterly statement showing all transactions
  • No minimum balance


  • Minimum amount to open an account $100
  • Health Savings Account
  • ATM/Debit card
  • Free Online Banking
  • Monthly statement showing all transactions
  • No minimum balance required
  • Consult your tax adviser for qualifications and limits

Contact your local branch or complete our secure form for more information.