Get your money unboxed
Cash-back spending, effortless saving, credit building, and phone-first money management.
So your money keeps up with your life.
What's in the Starter Pack?
Whether you’re opening your first account or starting to build credit, we know that getting started is a lot—but your banking can be simple. We’ve bundled the essentials into one “Starter Pack” designed to help you spend smarter, save faster, and build the credit you’ll need for what comes next.
Spending
Kasasa Cash Back Checking
Your debit card can do more than just pay for coffee—it can pay you back. Get rewarded for the spending you’re already doing.
- Get Paid: Earn 5% cash back on debit card purchases (up to $10/month).*
- ATM Freedom: Get up to $25 in ATM withdrawal fee refunds per month.*
- No Hidden Costs: $0 monthly maintenance fees and no minimum balance to earn rewards.
Saving
Kasasa Saver
Saving works best when it’s effortless. This account works in the background, automatically “sweeping” your Kasasa Cash Back rewards into a high-yield savings bucket.
- Autopilot Savings: Your cash back rewards transfer automatically every month.*
- Earn More: High-yield dividends on your balance without lifting a finger.
- Goal Ready: Build an emergency fund (or a concert fund) while you sleep.
Building Credit
Visa Credit Card
Build credit with the right card for where you are—and where you’re headed.
- Two paths, one goal: Choose a Secured card to start safely with a deposit‑based limit, or a Platinum card if you’re ready for more flexibility.
- Credit that counts: Both options report to major credit bureaus to help build real, usable credit history.
- Set yourself up for what’s next: Strong credit opens doors to future goals like an apartment, a car, or better loan rates.
Managing
Digital Banking & Mobile Wallet
Handle your entire stack from your phone with tools that give you total visibility and effortless payments.
- Tap & Go: Add your cards to Apple Pay, Google Pay, or Samsung Pay for secure, contactless payments at your favorite local spots.
- Real-Time Alerts: Get instant notifications so you always know exactly where your balance stands before you swipe.
- Smart Budgeting: Use Insights Money Manager to track your “foodie finances,” set custom goals, and even pull in accounts from other banks to see your full net worth in one spot.
Confident With Money
When you’re ready for real life goals like an apartment or a car, strong credit means you actually have options. You won’t get declined. You’ll qualify for better interest rates. You can choose the apartment you want instead of settling for the one that will take you. You can get approved for that car loan without needing a cosigner. Credit is about more than a number, it’s a passport to financial freedom.
More to Explore
Your Guide to Great Credit
Budgeting tips for Portland College Students
10 Mistakes to avoid when buying a car
banking that's different
Our members think so…
— Daria O.I have been banking with Trailhead since I was a young child, when my parents created my first bank account. Then fast forward 20 years and I’m still using them for everything! They have assisted me in building credit, buying cars, and lowering my credit card debt and have always been helpful in every financial situation I’ve found myself in.
Get Started
Frequently Asked Questions
Cash back on purchases made with your debit card and ATM withdrawal surcharge fees reversed (up to $25 per month).
- Have at least 10 debit card purchases post and clear
- Have at least one direct deposit or ACH automatic debit post and clear
- Receive eStatements
Your Regular Share Savings account establishes your membership and buys you a “share” in the Credit Union. All members must have a Regular Share Saving account.
Kasasa Saver is a free, high-interest savings account linked to your free Kasasa Cash checking account. The rewards you earn on your Kasasa Checking account are automatically deposited into your Kasasa Saver account every month.
A “wallet” that lives on your mobile device that can manage compatible debit cards, credit cards, loyalty club cards, insurance cards, and more.
Download the Mobile Banking app from Google Play or the App Store. If you already have a username and password for Online Banking, you may log in with those credentials. If not, click “First time user? Enroll now.”
Disclosures
Qualification Information: Account transactions and activities may take one or more days 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 Monthly Qualification Cycle goes from the last day of the month to the next to last day of the next month. See our website for specific Monthly Qualification Cycle dates.
Kasasa Cash Back Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.
Kasasa Saver Reward Information: When your linked Kasasa Cash or Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $30,000 in your Kasasa Saver account earn an APY of 3.00% and daily balances over $30,000 earn a dividend rate of 0.25% % on the portion of the daily balance over $30,000 resulting in a range from 0.88% to 3.00% APY depending on the account’s daily balance.
When your linked Kasasa Cash or Kasasa Cash Back qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.
Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. A Kasasa Cash checking account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings.
APY = Annual Percentage Yield. APYs accurate as of 9/1/2025.
Additional Information: Rates and rewards are variable and may change after account is opened. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. $25 minimum deposit is required to open the account. Limit one account per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.