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Trailhead Credit Union

Checking

You deserve free checking with rewards.

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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. Make a difference in your community and bank with a “Small Enough to Know Better” Credit Union.

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.*

Learn more about Kasasa Cash »

Kasasa Cash Back® Checking

Earn cash back on purchases made with your Trailhead debit card, whether you’re shopping online or offline. The account it free, and puts even more money in your pocket with monthly ATM fee refunds.*

Learn more about Kasasa Cash Back »

Premium Checking

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

Checking options at a glance

  • 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

  • Free Debit Card

    Free Debit Card

  • Free Online Banking and BillPay

    Free Online Banking and BillPay

  • Free Mobile Banking with Mobile Deposit

    Free Mobile Banking with Mobile Deposit

  • 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

    3.00% APY* on balances up to $10,000 when you meet the monthly qualifications

    0.25% APY on balances over $10,000 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

  • Free Debit Card

  • Free Online Banking and BillPay

  • Free Mobile Banking with Mobile Deposit

  • Automatic payment loan rate discount eligibility

  • Apply

Kasasa Cash Back Checking

  • Best for:

    Members who use their Debit Card and carry lower balances.

  • Rewards

    4.00% 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

  • Free Debit Card

  • Free Online Banking and BillPay

  • Free Mobile Banking with Mobile Deposit

  • Automatic payment loan rate discount eligibility

  • Apply

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

  • Free Debit Card

  • Free Online Banking and BillPay

  • Free Mobile Banking with Mobile Deposit

  • Automatic payment loan rate discount eligibility

  • Apply

Kasasa 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.

Open a Checking Account

Open your new Checking Account online.

Apply Now

Contact Member Services to open a new Checking Account.

503.220.2592

Visit any of our branches:

Old Town
221 NW 2nd Ave, Ste 100 | Portland, OR 97209

Mississippi
3904 N Mississippi Ave | Portland, OR 97227

Division
3354 SE Division St | Portland, OR 97202

Kasasa FAQs

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

To qualify for your account’s rewards, all of your account’s qualifying transactions must post and settle to your Kasasa Cash or Kasasa Cash Back 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 for Kasasa Cash
  • No cash back on debit card purchases for Kasasa Cash Back
  • ATM surcharge fees are not reimbursed
  • There is no penalty and the account is still free
View All

*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 4% 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 $8.00 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 $10,000 in your Kasasa Cash account earn a dividend rate of 2.96% resulting in an APY of 3.00% and daily balances over $10,000 earn a dividend rate of 0.25% on the portion of the daily balance over $10,000, resulting in a range from 0.50% to 3.00% 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 accurate as of 1/1/2023.

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.

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