Checking Accounts
Designed for how you bank.
From rewards and cash back options to digital tools, debit card access, mobile deposit, and local service, Alltrust checking accounts make everyday banking easier.
Make the most of your checking account.
Use your checking account as the center of your daily financial life. Set up direct deposit, pay bills online, use your debit card for everyday purchases, and take advantage of tools that help you track spending and move money when needed.
Round Up. your debit card purchases and automatically transfer into savings.
Bank virtually anywhere with our highly rated mobile app and secure mobile check deposits.
Pay fast with Apple Pay®, Samsung Pay®, or Google Pay™. No cash or card needed.
Earn rewards when you reach the qualifiers.
Make the most of every dollar with easy-to-use online tools.
Get real-time eAlerts about important account activity, like low balances or cleared checks.
Checking accounts for everyday life.
Kasasa® Cash Back
Earn cash back. Get paid to make debit card purchases. Just a swipe or a tap of your card and you start earning rewards.
Kasasa® Eats
Love food? Get cash back on the foods you love, so you can keep more money in your pocket.
Kasasa® Cash
Ready for bigger earnings? It acts like a checking account, earns interest like a savings account.
Senior Checking
Exclusive perks for members 65+. Bank your way with our free Senior Checking account and the features you want.
Youth Checking
This free account is for ages 13–18. Teach your teen the money skills they’ll depend on throughout their lives.
Features |
Kasasa® Cash Back |
Kasasa® Eats |
Kasasa® Cash |
Senior Checking |
Youth Checking |
|---|---|---|---|---|---|
| Best For | Everyday spenders | Grocery & food spenders | Higher balance & earning interest | Members over 65 | Teens (13–18) |
| Rewards Type | Cash back on all debit purchases | Cash back on groceries & food delivery | High interest | Basic/free checking | Building strong financial habits |
| Rewards Rate | 4.00% cash back* (up to $250 spend/mo) | 5.00% cash back* (up to $300 spend/mo) | Up to ~3.50% APY* | None | None |
| Max Annual Rewards | Up to $120/year | Up to $180/year | Interest varies by balance | None | None |
| Monthly Fees | None | None | None | None | None |
| Minimum Balance to Earn Rewards | None | None | None | N/A | N/A |
| ATM Fee Refunds | Yes (up to $25/mo) | Yes (up to $25/mo) | Yes (up to $25/mo) | Access to SUM network | Access to SUM network |
| Qualification Requirements | 12 debit transaction, at least one direct deposit or ACH, enrolled in eStatements | 12 debit transaction, at least one direct deposit or ACH, enrolled in eStatements | 12 debit transaction, at least one direct deposit or ACH, enrolled in eStatements | Age 65 or older | Parental consent required |
| Opening Deposit | $25 | $25 | $25 | $5 | $5 |
| Extra Features | Debit Card Open Account | Debit Card Open Account | Debit Card Open Account | Debit Card, ATM network perks Open Account | Debit Card, Converts to Cash Back at 19 Open Account |
| Best For Everyday spenders |
| Rewards Type Cash back on all debit purchases |
| Rewards Rate 4.00% cash back* (up to $250 spend/mo) |
| Max Annual Rewards Up to $120/year |
| Monthly Fees None |
| Minimum Balance to Earn Rewards None |
| ATM Fee Refunds Yes (up to $25/mo) |
| Qualification Requirements 12 debit transaction, at least one direct deposit or ACH, enrolled in eStatements |
| Opening Deposit $25 |
| Extra Features Debit Card |
| Best For Grocery & food spenders |
| Rewards Type Cash back on groceries & food delivery |
| Rewards Rate 5.00% cash back* (up to $300 spend/mo) |
| Max Annual Rewards Up to $180/year |
| Monthly Fees None |
| Minimum Balance to Earn Rewards None |
| ATM Fee Refunds Yes (up to $25/mo) |
| Qualification Requirements 12 debit transaction, at least one direct deposit or ACH, enrolled in eStatements |
| Opening Deposit $25 |
| Extra Features Debit Card |
| Best For Higher balance & earning interest |
| Rewards Type High interest |
| Rewards Rate Up to ~3.50% APY* |
| Max Annual Rewards Interest varies by balance |
| Monthly Fees None |
| Minimum Balance to Earn Rewards None |
| ATM Fee Refunds Yes (up to $25/mo) |
| Qualification Requirements 12 debit transaction, at least one direct deposit or ACH, enrolled in eStatements |
| Opening Deposit $25 |
| Extra Features Debit Card |
| Best For Members over 65 |
| Rewards Type Basic/free checking |
| Rewards Rate None |
| Max Annual Rewards None |
| Monthly Fees None |
| Minimum Balance to Earn Rewards N/A |
| ATM Fee Refunds Access to SUM network |
| Qualification Requirements Age 65 or older |
| Opening Deposit $5 |
| Extra Features Debit Card, ATM network perks |
| Best For Teens (13–18) |
| Rewards Type Building strong financial habits |
| Rewards Rate None |
| Max Annual Rewards None |
| Monthly Fees None |
| Minimum Balance to Earn Rewards N/A |
| ATM Fee Refunds Access to SUM network |
| Qualification Requirements Parental consent required |
| Opening Deposit $5 |
| Extra Features Debit Card, Converts to Cash Back at 19 |
Kasasa® Saver
Free account that builds your savings effortlessly. Link this free account to your Kasasa checking – and build savings automatically while earning high interest.
- 4.00% APY* on balances as much as $100,000.
- 4.00% to 0.35% APY* on balances over $100,000 depending on balance in account*.
- 0.02% APY* on all balances if qualifications are not met in your Kasasa checking account.
- Links to free Kasasa Cash Back, Kasasa Eats or Kasasa Cash checking.
- Rewards from your Kasasa checking account are automatically transferred to your Kasasa Saver account.
- No monthly maintenance fee or minimum balance to earn rewards.
- $25 minimum deposit to open.
Qualifications to Earn the Higher Rate
Qualifying for your Kasasa account rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa checking account during each Monthly Qualification Cycle.
Frequently asked questions
You will typically need personal identification, basic contact information, and funding information for your opening deposit. Additional requirements may apply depending on the account.
Yes. Alltrust allows members to start certain checking accounts online. You can also visit a branch if you want help choosing the right option.
Many Alltrust checking accounts include debit card access so you can make purchases, withdraw cash, and manage everyday spending. View the account options above to determine which accounts include a debit card.
We can’t wait to see what you’ll do next.
With one of our checking accounts, you’ll have us with you every step of the way.
Rates effective as of May 09, 2026.
*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 following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts debit card purchases processed by merchants and received by our credit union as ATM transactions, credit transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
“Monthly Qualification Cycle” means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
“Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.
“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.
“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Contact one of our branch service representatives for specific Statement Cycle dates.
Reward Information: Depending on what Kasasa account you have, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle:
Kasasa Cash: average daily balances up to and including $10,000 in your Kasasa Cash account earn an APY of 3.50%; and average daily balances over $10,000 earn an APY of 0.35% on the portion of the average daily balance over $10,000, resulting in a range from 3.50% to 0.35% APY depending on the account’s average daily balance.
Kasasa Cash Back: you will receive 4.00% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Eats: you will receive 5.00% cash back on up to a total of $300.00 debit card purchases made at eligible food delivery and grocery stores that post and settle to the account during that cycle period. A maximum of $15.00 cash back payments may be earned per Monthly Qualification Cycle.
Kasasa Saver: average daily balances up to and including $100,000 in your Kasasa Saver account earn an APY of 4.00% and average daily balances over $100,000 earn an APY of 0.35% on the portion of the average daily balance over $100,000 resulting in a range from 4.00% to 0.35% APY depending on the account’s average daily balance.
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. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, or Kasasa Eats transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.02% APY.
Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.02% APY.
Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
If Kasasa Cash, Kasasa Cash Back, Kasasa Eats are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back or Kasasa Eats: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back or Kasasa Eats account will be credited to your Kasasa Saver account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and $100,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply.
$25 minimum deposit is required to open a Kasasa checking account.
$25 minimum deposit is required to open Kasasa Saver.
One Direct Deposit or ACH credit payment, monthly E-Statements, and 12 debit card transactions are conditions of these accounts.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver’s linked Kasasa Cash, Kasasa Cash Back, or Kasasa Eats account’s qualifications.
Limit of one account per tax identification number.
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
A Kasasa Cash, Kasasa Cash Back, or Kasasa Eats account is required to have a Kasasa Saver account.
A linked Kasasa Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. Member MSIC.
Trademarks: Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Eats and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.