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
Our way of saying thank you for your membership! When you open a Thrive Rewards Checking account, you can qualify monthly for high-yield dividends and ATM rebates. That’s cash back that goes right into your pocket! It’s a great way to earn money on the funds that go into your checking account – and it’s as easy as making your first deposit!
Earn 2.00% APY* on balances up to $10,000 and 0.25% APY on all other balances when monthly requirements are met
Up to $10 in monthly ATM Rebates for out of network ATMs when monthly requirements are met
The youth is the future, and we’re here to nurture it. Kaiperm’s Youth Accounts are designed for our youngest members to learn about money by providing the tools they’ll use as adults – but designed specially for children. Our Pup Accounts are for children up to age 12, and for our teenage members, our Student Accounts are designed to help them build healthy financial habits that will carry them into adulthood.
0.5% APY4 on the first $10,0003 Minimum Opening Deposit $50
0.5% APY4 on the first $10,0003 Minimum Opening Deposit $50
High-Yield Certificate Account5
12-month Pup Certificate earns 5.00% APY, with unlimited add-ons up to $500 maximum balance
12-month Student Certificate earns 5.00% APY, with unlimited add-ons up to $1,000 maximum balance
Youth Checking Account5
Not Available
Same rates as Basic Checking. Daily limits and alerts can also be setup
Visa® Debit Card
Not Available
Free and accepted at over 23 million locations worldwide
Account ownership
The minor is the Primary owner of funds and the Joint Owner (ex. parent, guardian, grandparent) controls the account
Minor and Joint Owner share controls
Minimum opening deposit
$50
$50
Federally insured by the NCUA
1 Account will convert to Kaiperm Student account on 13th birthday 2 Account will convert to a regular Kaiperm account on 18th birthday 3 Calculated based on average daily balance. Earn 0.5% APY balances up to $10,000 and 0.10% on all other balances 4 APY = Annual Percentage Yield. 5 Limit 1 per minor social security number. *Based on monthly deposit of $40 on the first of each month and example of calculation based on 5.00% APY for 12 months, compounded monthly.
This page is in compliance with the Children’s Online Privacy Protection Act (COPPA) and does not collect or retain information from any visitor to the page including children under the age of 13. For more information on The Children’s Online Privacy Protection Act please read Frequently Asked Questions about the Children’s Online Privacy Protection Rule.
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