Protect Your Identity

We'll help keep your identity yours.

Each year, seven to ten percent of Americans are victims of identity theft. When you have Truity’s Preferred Checking account and you suspect your identity has been compromised, we’ve got you covered with nxg|PROTECT:

  • Fully-managed identity theft recovery17
  • Credit monitoring, including Dark Web17
  • Expense reimbursement, up to $25,000
  • Monthly TransUnion® credit scores and annual credit report

Identity theft detection and recovery services come with every Preferred Checking Account.


  • .25% Consumer Loan Discount16
  • Mobile Phone Coverage15
  • Earn Dividends
  • Get Reimbursed for ATM Surcharges14

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Preferred Checking Account Features

Features Details or Inclusions
Minimum Opening Deposit $0
Monthly Service Charge FREE or $5.00 if less than 20 debit card transactions23 per month
Minimum to Earn Dividends $0
.25% Consumer Loan Discount16
Identity Theft Services17
Mobile Phone Coverage15
ATM Surcharge Reimbursement14 Up to $10/month
FREE Digital Banking and Bill Pay
FREE Mobile Deposit
FREE eStatements  $3.00 for paper statements
Overdraft Protection18 & Courtesy Pay19
  Open Preferred Checking Account
14. 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 twenty or more debit card purchases were made.

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.

23. To meet the transaction requirement, use your Truity debit card wherever Visa is accepted, including online purchases or payments. ATM transactions will not apply. You can also add your card to your digital wallet on mobile.

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.

Truity Credit Union is federally insured by NCUA.
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