Unleash your inner possible
Our checking accounts offer convenient features to simplify your daily financial life. Plus, we reward you in cash.
Checking accounts that are good for your wallet and your conscience
While many banks are asking you to pay for an account, Trailhead offers free checking accounts, including two that reward you with cash.
Plus, by being a member of Trailhead, you will be a central part of the banking-local movement, while simultaneously avoiding excessive fees that you may find elsewhere.
Kasasa Cash® Checking
Earn cash through substantial dividends and ATM fee refunds when you do things like use your debit card and receive eStatements. And it’s free, with no monthly service fee or minimum balance.*
Kasasa Cash Back® Checking
Earn cash back on purchases made with your Trailhead debit card, whether you’re shopping online or offline. The account is free and puts even more money in your pocket with monthly ATM fee refunds.*
Premium Checking
Get a free checking account with all of the extra services you need, without changing the way you bank.
Best for:
Best for:
Rewards
Rewards
ATM Fee Refunds (up to $25 per month)
ATM Fee Refunds (up to $25 per month)
Automatically set aside cash with Kasasa Saver
Automatically set aside cash with Kasasa Saver
No monthly fee
No monthly fee
No minimum balance
No minimum balance
Mobile Wallet Compatible
Mobile Wallet Compatible
Mobile Deposit Available
Mobile Deposit Available
Automatic payment loan rate discount eligibility
Automatic payment loan rate discount eligibility
Kasasa Cash Checking
Best for:
Members who carry high balances and want to earn dividends
Rewards
5.00% APY* on balances up to $15,000 when you meet the monthly qualifications
0.25% APY on balances over $15,000 depending on balance in account*
0.05% APY* if qualifications aren’t met
ATM Fee Refunds (up to $25 per month)
YES when you meet the monthly qualifications
Automatically set aside cash with Kasasa Saver
No monthly fee
No minimum balance
Mobile Wallet Compatible
Mobile Deposit Available
Automatic payment loan rate discount eligibility
Kasasa Cash Back Checking
Best for:
Members who use their Debit Card and carry lower balances
Rewards
5.00% cash back* on debit card purchases (your first $200 in purchases per month) when you meet the monthly qualifications
ATM Fee Refunds (up to $25 per month)
YES when you meet the monthly qualifications
Automatically set aside cash with Kasasa Saver
No monthly fee
No minimum balance
Mobile Wallet Compatible
Mobile Deposit Available
Automatic payment loan rate discount eligibility
Premium Checking
Best for:
Members who prefer a free basic account
Rewards
ATM Fee Refunds (up to $25 per month)
Automatically set aside cash with Kasasa Saver
No monthly fee
No minimum balance
Mobile Wallet Compatible
Mobile Deposit Available
Automatic payment loan rate discount eligibility
Banking that's different
Our members think so…
— JuliaI love it! I love earning such a high interest rate on my checking account and getting refunds on ATM fees, and supporting my local credit union.
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The Trailhead Difference
Learn more about Trailhead’s commitment to members and the communities we serve.
Discover the differenceKasasa Checking Monthly Qualification Requirements
To earn your Kasasa rewards, you will need to do the following each 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 and review monthly eStatements
If you miss a month, don’t worry!
Don’t worry if you don’t meet the monthly qualifications consistently – there’s no penalty and you can continue enjoying a free checking account. Plus, you can get right back to earning your full rewards the very next month.
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.
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.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 4.88% resulting in an APY of 5.00% and daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the daily balance over $15,000, resulting in a range from 0.87% to 5.00% APY depending on the account’s daily balance.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash or 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 qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. 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.
APY = Annual Percentage Yield. APYs and cash back rate accurate as of 11/1/2023.
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.