Join Us or Call/Text:
(925) 939-5626
Routing Number: 321178446

Thrive Rewards CheckingReap the Rewards When You Thrive with Kaiperm!

Thrive Rewards Checking

Let’s all THRIVE!
The most rewarding checking account ever.

Utilize an account that pays you cash back and ATM rebates monthly by simply meeting all three easy requirements.

  • Thrive with a super high rate on balances up to $15,000
  • $10 in monthly ATM rebates when monthly requirements are met
  • $25 initial deposit to open
  • No monthly fees or minimum balance requirements
  • Contactless Visa Debit Card
  • Digital wallet capable (Apple Pay, Google Pay, Samsung Pay)
  • Deposit checks in the Kaiperm mobile app
  • Set up account notifications through the Kaiperm mobile app
  • 30,000+ surcharge-free CO-OP ATMs nationwide
Thrive Rewards Checking - Account Fee




Rate Effective Date: May 1, 2024

TypeInitial DepositAnnual Percentage Yield (APY*)Rate
Thrive Rewards Checking$25When qualifications are met
2.350% on first $15,000
0.250% on balances above $15,000
When qualifications are met
2.325% on first $15,000
0.250% on balances above $15,000

APY* (Annual Percentage Yield) is subject to change at any time. Dividends are paid monthly based on average daily balance.


Ready to reward yourself?
Then open a Thrive Rewards Checking Account today.



Not yet a member? Current members



  • What if I don’t meet all three requirements for the month?

    You will only earn 0.05% APY on your average monthly balance and you will not be given any out of network ATM Rebates at the end of the month

  • Does it count as a purchase if I give a company my checking account information and routing number?

    No, this would be considered an ACH or Electronic Transfer of funds. Not a debit card point of sale transaction.

  • I lost my debit card how do I request a new one and is there a charge for ordering another debit card?

    Please email us at info@kaipermcu.org or simply text us during normal business hours to request a new debit card. The first debit card replacement is free and anything after is $10/per new debit card.

  • How do I transfer money out of my Thrive Checking Account?

    Please utilize the Bill Pay/Pay a person feature when logged into your online banking and mobile banking.

  • Can I have multiple direct deposits to fulfill the at least $250 requirement monthly

    Yes, you can have multiple direct deposits fulfill the requirement of at least $250 monthly.

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. Routing number: 321178446.

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A Safe Place for Your Money

Member deposits are now insured up to $1,000,000

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