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Truity Credit Union

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Advantage Checking Account

Advantage checking is our premium account, with tiered dividends and extra perks, designed for members who typically have a high balance in their checking account.

Premium Benefits

Standard Benefits


Type/Term APY Dividend Rate
Advantage Checking $0-$999 0.01% 0.01%
Advantage Checking $1,000-$9,999 0.05% 0.05%
Advantage Checking $10,000-$24,999 0.05% 0.05%
Advantage Checking $25,000+ 0.10% 0.10%
See Other Rates

Advantage Checking¹

$ 5,000 to open

Tiered Dividends with Perks

Apply Now

Existing Member?

Contact Us to Open

Tiered dividends levels
FREE Identity theft detection and recovery services17
FREE Domestic wire transfers
FREE Cashier's checks
No ATM fees with Truity Credit Union ATMs, and we'll reimburse the ATM fees other banks charge, up to $20 per month¹


*Must meet the minimum requirements to open a checking account. $100 bonus is for new Preferred or Advantage accounts only. If your household already has a Truity checking account, you do not qualify. Bonus amounts of $10 or more may be reported on IRS form 1099INT. Use code 100CHECKING. Offer expires 09/30/2021.

1. A minimum opening deposit of $5,000 is required. A $20 service charge will apply each month the average daily balance falls below $5,000.

15. Benefit up to $500 minus a $50 deductible; two claims per year (12-month period). The primary account holder can file a claim for any phones owned by them. For additional details about the services, including terms, conditions and limitations, please visit

16. Available only on eligible loans, including personal, direct auto or other secured loans when you have an active Preferred or Advantage checking account and automatic payment from a Truity share. Lines of credit, credit cards and existing Truity loans are not eligible. One discount per loan; with approved credit.

17. MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. For additional details about the services, including terms, conditions and limitations, please visit

18. 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.

19. Courtesy Pay is a non-contractual courtesy and is discretionary. See the full disclosure here. 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. Not available for Fresh Start accounts.

25. Use debit card twenty or more times for purchases in the previous 31 day period to qualify. ATM Surcharge Reimbursements up to $20 per month will be credited to the qualifying account at the end of each calendar month in which ten or more debit card purchases were made.

Balances on Checking accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.

Credit union membership savings (Share) par value is $5.00.

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