KAIPERM Checking Accounts
Our free checking account is all about you! Take advantage of zero maintenance fees and no minimum balance thresholds or hoops to jump through. It also includes a free Visa debit card (upon approval) for your everyday purchases, including access to more than 5,000 CO-OP Shared Branches and more than 30,000 ATMs across the Country.
- No maintenance fees
- Personal banking over the phone
- Free Kaiperm Visa debit card
- Online and mobile banking
- Overdraft Protection
- Direct deposit
- Contactless technology
- Digital wallet payments via Apple Pay, Samsung Pay and Google Pay
Get your questions answered in real-time. Look for the Chat Icon to appear at the bottom right corner of the page.
Please do not send sensitive personal information (SSN, Account Numbers, etc.) over email as it not secure.
| ACCOUNT FEATURES | Thrive Rewards Checking | Basic Checking |
| Earns Dividends | Earn 2.00% APY* on balances up to $10k and 0.25% APY on all other balances when monthly requirements are met. Does not earn dividends if monthly requirements are not yet | 0.05% APY* on all balances all the time. No monthly requirements. |
| Monthly service fee | Free – no monthly fee | Free – no monthly fee |
| Minimum Opening Deposit | $50.00 | $25.00 |
| ATM Rebates | Up to $10 in monthly ATM Rebates for out of network ATMs when monthly requirements are met | No ATM rebates |
| ATM Access | Free at all Kaiperm ATMs and over 30,000 CO-OP network ATMs nationwide | Free at all Kaiperm ATMs and over 30,000 CO-OP network ATMs nationwide |
| Visa® Debit Card | Free and accepted at over 23 million locations worldwide | Free and accepted at over 23 million locations worldwide |
| Digital Wallet | Free contactless payment setup with Apple Pay, Google Pay, and Samsung Pay | Free contactless payment setup with Apple Pay, Google Pay, and Samsung Pay |
| Online Banking with Bill Pay | Free and easy to use to check balances, make a transfer, pay bills, and more | Free and easy to use to check balances, make a transfer, pay bills, and more |
| Mobile Banking with Mobile Deposit | Free mobile app that allows you to make remote check deposits from anywhere | Free mobile app that allows you to make remote check deposits from anywhere |
| Account Alerts | Free and easy to set up; stay aware of account and card activity to avoid fraud | Free and easy to set up; stay aware of account and card activity to avoid fraud |
Open a checking account
NOT YET A MEMBER? CURRENT MEMBERS
Reordering checks?
If you have no changes to make, current members can reorder a box of checks by clicking here. If you are ordering checks for the first time, or have changes to make to your existing checks, or need additional assistance for anything else, please contact us at 925-939-5626. Our routing number is: 321178446.
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A Safe Place for Your Money
Kaiperm members can find comfort in knowing that no matter the size of your deposit, every dollar is safe, secure and 100% insured by the NCUA, up to $250,000. We're here to keep your assets safe as they grow.