Our New Truity Checking Accounts are Here!

On October 1, 2020, your checking account transitioned to either Essential Checking, Preferred Checking or Advantage Checking.

New Checking Accounts as of 10/1/2020

Monthly fees and other account details are listed below.
No monthly service charges until 2021.

No Service Charge Service Charge

Service Charges vary by account.

Minimum Opening Deposit
Minimum to Earn Dividends
Paper Statement Fee
FREE Instant-Issue Debit Card
Mobile Phone Coverage* NEW
ATM Surcharge Reimbursements**
.25% Discount on Eligible Loans*** NEW
Identity Theft Recovery Services⁴ IMPROVED
Credit + Dark Web Monitoring⁴ IMPROVED
Dividend Earnings
Free Domestic Wires
Free Checks
Points Earned with Platinum Rewards VISA^®
Points Earned with Signature Rewards VISA^®
Plus, Additional Benefits

Basic Banking + Perks

$ 0 .00/mo²

with 20 or more debit transactions/mo

Minimum Opening Deposit $0.00
Minimum to Earn Dividends $0.00
Paper Statement Fee $3.00/mo
FREE Instant-Issue Debit Card
Mobile Phone Coverage* NEW
ATM Surcharge Reimbursements** Up to $10/mo
.25% Discount on Eligible Loans*** NEW
Identity Theft Recovery Services⁴ IMPROVED
Credit + Dark Web Monitoring⁴ IMPROVED
Dividend Earnings
Free Domestic Wires
Free Checks
Points Earned with Platinum Rewards VISA^® 1pt/$1
Points Earned with Signature Rewards VISA^® 2pts/$1
See Free Features

²Qualify for the $0 monthly service charge when you make more than 20 debit card transactions per month. Otherwise, it's a $5 per month service charge.

What's Changing?

Premium Banking

$ 0 .00/mo³

with $5,000 or more avg daily balance

Minimum Opening Deposit $5,000.00
Minimum to Earn Dividends $0.00
Paper Statement FeeFREE
FREE Instant-Issue Debit Card
Mobile Phone Coverage* NEW
ATM Surcharge Reimbursements** Up to $20/mo
.25% Discount on Eligible Loans*** NEW
Identity Theft Recovery Services⁴ IMPROVED
Credit + Dark Web Monitoring⁴ IMPROVED
Dividend Earnings
Free Domestic Wires
Free Checks
Points Earned with Platinum Rewards VISA^® 2pts/$1
Points Earned with Signature Rewards VISA^® 3pts/$1
See Free Features

³Qualify for the $0 monthly service charge when you maintain an average daily balance of $5,000. Otherwise, it's a $20 per month service charge.

What's Changing?

Basic Banking

$ 0 .00/mo¹

with 5 or more debit transactions/mo

Minimum Opening Deposit $0.00
Minimum to Earn Dividends
Paper Statement Fee $3.00/mo
FREE Instant-Issue Debit Card
Mobile Phone Coverage* NEW
ATM Surcharge Reimbursements**
.25% Discount on Eligible Loans*** NEW
Identity Theft Recovery Services⁴ IMPROVED
Credit + Dark Web Monitoring⁴ IMPROVED
Dividend Earnings
Free Domestic Wires
Free Checks
Points Earned with Platinum Rewards VISA^® 1pt/$1
Points Earned with Signature Rewards VISA^® 2pts/$1
See Free Features

¹Qualify for the $0 monthly service charge when you make more than 5 debit card transactions per month. Otherwise, it's a $3 per month service charge.

What's changing?

Shared Checking Account Features

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

Digital Banking

Manage your finances anywhere you go online or with the app.

Bill Pay

Manage bills and pay your friends via the app or your desktop.

Budgeting Tool

Create budgets and view your overall financial health with MyFinance.

Digital Wallet

Pay via Apple Pay™, Samsung Pay and Google Pay™.

Mobile Deposit

Deposit checks to your checking via the app.

Instant Issue Debit Card

Start accessing your account right away.

eStatements

View eStatements and Tax Documents via Digital Banking.

NCUA Insured

Truity Credit Union is federally insured by the NCUA.

Overdraft Protection^†

Coverage from your savings or line of credit account to cover overages.

Courtesy Pay^‡

Courtesy Pay may cover overdrafts up to $800.00.

Shared Service Centers

Access your account via other credit unions.

Zero Liability

Debit cards are protected with Visa’s Zero Liability Policy.

When will this service charge appear on my account if I don't have enough debit card transactions or meet the average daily balance (for Advantage)?

No service charges until 2021!

Will I need new checks or a new debit card?

No, your account number stayed the same. We’ve made it easy!

Will I need to update ACH transactions on my account?

No. You don’t need to do anything. Just enjoy your new checking account perks!

I don’t use my debit card frequently. Where can I use it to meet the new transaction requirement? What about online safety?

You can easily use your debit card wherever Visa is accepted (ATM transactions do not count), including local merchants and online purchases such as Amazon, Apple Pay, PayPal or even on recurring transactions such as Netflix or your utility bill. If a payment requires your debit card, it counts! Your financial information is protected online by Visa’s Zero Liability Policy. Find out more at TruityCU.org/Security.

How do I get the rate discount on my next loan?

The .25% rate discount is only applicable on direct loans when you have an active Preferred or Advantage checking account, with automatic payment from a Truity share. Eligible loans include personal, direct auto or other secured loans. Lines of credit, credit cards and existing Truity loans are not eligible. One discount per loan, with approved credit.

Why did my account change?

At Truity, we strive to serve our members’ best interests by providing you the latest and greatest benefits. It’s our way of saying thank you for being a member!

How can I activate my new benefits?

If your account transitioned to Preferred or Advantage, you will receive an email from us in early October with your ID number and step by step instructions to activate your new account perks, including credit bureau monitoring and identity theft recovery services. Registration only takes a few minutes. If you have registered previously, you will need to re-register.

How can I upgrade my account or select a different checking account?

If you wish to discuss your options, give us a call at 800.897.6991. Again, no monthly service charges until 2021.

What if I recently switched to a different checking account?

If you received communications regarding your previous account type, please disregard. You will receive an email from us in early October with details on your new account-Essential, Preferred or Advantage.

*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 TruityCU.nxgstrategies.com.
** ATM surcharge reimbursements will be credited to the qualifying account at the end of each calendar month in which twenty or more debit card purchases were made.
*** 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.

†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. 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.

⁴MONITORING 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 TruityCU.nxgstrategies.com.

Truity Credit Union is federally insured by NCUA.