Preferred Checking

17. 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.

20. Courtesy Pay is a non-contractual courtesy and is discretionary. 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.

21. 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 https://truitycu.nxgstrategies.com/

24. 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.

39. 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.

41. 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.

45. Available on all checking accounts in the event there are not enough funds to cover a withdrawal transaction. Overdraft coverage from a savings account or an established line of credit will take only the amount needed to cover the transaction without any additional fee. View Overdraft Services & Fees Disclosure

48. Use debit card twenty or more times for purchases in the previous 31 day period to qualify. ATM Surcharge Reimbursements up to $10 per month will be credited to the qualifying account at the end of each calendar month in which twenty or more debit card purchases were made.

49. Preferred Checking is FREE, or $5.00 monthly service charge if less than 20 debit card transactions per month.

51. Rates are subject to change without notice.

71. Truity Credit Union Members are eligible for the Greenlight SELECT plan at no cost when they connect their Truity account as the Greenlight funding source for the entirety of the promotion. Upgrades will result in additional fees. Plans start at $4.99/mo. See terms for details. Offer subject to change or renewal.

72. Truity Credit Union may make incoming electronic deposits available for use up to two banking days before the scheduled deposit date. Weekends and federal holidays are not banking days. Early availability of deposits depends on when the notification of the deposit is received by Truity. This notification can vary and is under the control of the payer of the deposit – not Truity Credit Union. Early deposit is not a contractual obligation and does not guarantee future early deposits.