Find A Personal Checking Account - Truity Credit Union

Compare our checking accounts with others, and you’ll be surprised! Packed with perks—from Identity Theft Services, to overdraft protection and ATM surcharge reimbursements—our checking accounts fulfill all your checking needs and more!

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Get a side-by-side comparison of all checking accounts. Or, answer a few questions and find the account that fits you.

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We also have business checking accounts.

All our checking accounts come with these free services to help you manage and maintain your account.

Mobile Deposit

Deposit checks with our mobile app.

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Online Banking

Access and manage your account from your PC.

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Mobile Banking

Access and manage your account from your mobile device.

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Bill Pay

Manage and pay your bills via PC or mobile device.

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Fraud Protection

Zero liability on unauthorized debit card charges.

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Custom Designed Debit Card

Choose your debit card design.

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Compare our accounts

Accounts		Minimum Opening Deposit	Minimum to Avoid Service Charge	Minimum to Earn Dividends	Monthly ATM Surcharge Rebate²	Paper Statement Fee
Simple	OPEN	$0	N/A			$3
Dividend	OPEN	$0	$400 (Average Daily Balance)	$0	$10.00 for out-of-network ATMs	$3
Identity	OPEN	$0	N/A	$1,000 Average Daily Balance	$10.00 for out-of-network ATMs
Advantage	OPEN	$5,000	$5,000 (Average Daily Balance)	Tiered Dividends¹	$20.00 for out-of-network ATMs
See Advantage dividend tiers. ATM surcharge reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made. †Overdraft Protection Available on all checking accounts in the event there are not enough funds to cover a withdrawal transaction. Overdraft coverage from a savings account will take only the amount needed to cover the transaction and a $3 fee. Overdraft coverage from an established line of credit will take only the amount needed to cover the transaction without a fee. ‡Courtesy Pay Courtesy Pay is a non-contractual courtesy and is discretionary. Some restrictions apply. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.

	Simple	Dividend	Identity	Advantage
	Manage day-to-day finances without a lot of complex requirements	Earn dividends, plus other perks	Identity Theft Services, plus additional perks	Premiere checking with the most features
	OPEN	OPEN	OPEN	OPEN
Minimum Opening Deposit	$0	$0	$0	$5,000
Minimum to Avoid Service Fee	N/A	$400 (Avg. Daily Balance)	N/A	$5,000 (Avg. Daily Balance)
Monthly Service Charge	$0	$8.00 If Average Daily Balance is less than $400.00	$3.00	$10.00 If Average Daily Balance is less than $5,000.00
Minimum to Earn Dividends		$0	$1,000 Average Daily Balance	Tiered Dividends¹
Monthly ATM Surcharge Reimbursements²		$10 for out-of-network ATMs	$10 for out-of-network ATMs	$20 for out-of-network ATMs
Identity Theft Services
CURewards™ points earned per dollar spent with Platinum Rewards VISA^® card
CURewards™ points earned per dollar spent with Signature Rewards VISA^® card
Free Debit Card
Shared Service Center Access
Free Mobile Banking/Text Banking/Mobile Deposit
Free Online Banking & Bill Pay
Free TruityPay (Person-to-Person Payments)
Overdraft Protection^† & Courtesy Pay^‡
Free eStatements
Free Paper Statement
Paper Statement Fee	$3	$3
Free Checks
Free Domestic Wire Transfers
Free Cashier's Checks
	OPEN	OPEN	OPEN	OPEN
See Advantage dividend tiers. Truity ATMs are always free. Out-of-network ATM surcharge reimbursements will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made. †Overdraft Protection Available on all checking accounts in the event there are not enough funds to cover a withdrawal transaction. Overdraft coverage from a savings account will take only the amount needed to cover the transaction and a $3 fee. Overdraft coverage from an established line of credit will take only the amount needed to cover the transaction without a fee. ‡Courtesy Pay Courtesy Pay is a non-contractual courtesy and is discretionary. Some restrictions apply. Courtesy Pay may cover overdrafts as a result of checking, ATM, ACH, debit card transactions or other withdrawals. Other, less expensive protection against overdrafts may be available to you. Ask for details.