Holiday closures: Monday, December 24 after 2:00 PM; Tuesday, December 25; Tuesday, January 1

Checking accounts that are good for your wallet and your conscience.

While many banks are asking you to pay for an account, Trailhead not only offers free checking accounts, including one that rewards 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. Make a difference in your community and bank with a “Small Enough to Know Better” Credit Union.

Checking options at a glance

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.

Premium Checking

Get a free checking account with all of the extra services you need, without changing the way you bank.

Compare Checking Accounts

Kasasa Cash Checking

Premium Checking

Dividend Rate 3% APY* on balances up to $10,000 when you meet the monthly qualifications N/A
ATM Fee Refunds (other banks' fees) YES when you meet the monthly qualifications N/A
No monthly fee Check Check
No minimum balance Check Check
Free Debit Card Check Check
Free Online Banking and BillPay Check Check
Free Mobile Banking with Mobile Deposit Check Check
Automatic payment loan rate discount eligibility Check Check
Automatically set cash aside with Kasasa Saver Check N/A
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KASASA CASH CHECKING MONTHLY REQUIREMENTS

To get the 3.00% APY, deposited to your Kasasa Saver account and receive nationwide ATM fee refunds, 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 consistenly – there’s no penalty and you can continue enjoying a free checking account that earns a base interest rate of 0.05% APY. The next month you qualify you’ll be back to earning 3.00%APY and will receive nationwide ATM fee refunds.

Kasasa FAQs

Higher dividend rate on the balance in the account (see current rates) and ATM surcharge fees reversed.

  • 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
  • A lower dividend rate is paid
  • ATM surcharge fees are not reimbursed

The qualification period goes from the last day of the month to the next to last day of the next month.

Cycle Begins Cycle Ends
December 31 January 30
January 31 February 27  (February 28 during leap year)
February 28 (February 29 during leap year) March 30
March 31 April 29
April 30 May 30
May 31 June 29
June 30 July 30
July 31 August 30
August 31 September 29
September 30 October 30
October 31 November 29
November 30 December 30

 

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* APY = Annual Percentage Yield.

* Kasasa Cash & Kasasa Saver: APYs accurate as of 1/1/2015 Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees occurred durring qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 3.00%; and (3) balances over $10,000 earn 0.25% dividend rate on the portion of the balance over $10,000, resulting in 3.00%—0.53% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and clear Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear 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. The advertised Kasasa Cash APY is based on compounding interest. Interest earned Kasasa Cash is automatically transferred Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 1.50%; and (2) balances over $10,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $10,000, resulting in 1.50% — 0.38% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Trailhead Credit Union

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We'll Help You Set Up Your Kasasa Cash Checking Account

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We'll Help You Set Up Your Premium Checking Account

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