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 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
Compare Checking Accounts | Kasasa Cash Checking | Premium Checking |
| Dividend Rate | 2.00% 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 |  | |
| No minimum balance | | |
| Free Debit Card | | |
| Free Online Banking and BillPay | | |
| Free Mobile Banking with Mobile Deposit | | |
| Automatic payment loan rate discount eligibility | | |
| Automatically set cash aside with Kasasa Saver | | N/A |
| Apply |
KASASA CASH CHECKING MONTHLY REQUIREMENTS
To get the 2.00% 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 consistently – 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 2.00%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.
The Monthly Qualification Cycle goes from the last day of the month to the next to last day of the next month. Monthly Qualification Cycle dates are not the same as our Statement Cycle dates.
| 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 |
To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your Kasasa Cash account within the Monthly Qualification Cycle dates stated above. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning your account’s rewards. 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 your account’s rewards.
- 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
- There is no penalty and the account is still free
* APY = Annual Percentage Yield.
* Kasasa Cash & Kasasa Saver: APYs accurate as of 8/1/2020. 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 during 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 2.00%; and (3) balances over $10,000 earn 0.10% dividend rate on the portion of the balance over $10,000, resulting in 0.27%-2.00% 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 0.50%; and (2) balances over $10,000 in Kasasa Saver earn 0.10% dividend rate on portion of balance over $10,000, resulting in 0.14% — 0.50% 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.
