Truity's Support Center

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Top Digital Banking Questions

Where can I view pending transactions on my account?
  • Log in 
  • Select the account you are needing to view
  • To view all account activity, view the Activity tile or Transactions in the mobile app
Can I open a checking account online?

To open a checking account online, click the Checking button at the top of our web page, then click the orange Apply Now button.

You must call or come in to open a new business checking account or an additional checking account. 

Which Internet browsers can I use to access my accounts online?

Recommended browsers (current major release):

  • Microsoft Edge
  • Firefox
  • Safari
  • Chrome

Note: Microsoft no longer supports Internet Explorer versions older than 11.0, and security updates are not available. Please download one of the browsers listed above.

Safari versions below 10.1.2 are not compatible with the initial log in process. To complete the initial log in process, upgrade to the latest version of Safari, or using Chrome or Firefox.

The following types of browsers and tools are not recommended for use with digital banking:

  • Beta versions
  • Embedded browsers within Personal or Commercial Financial Management Software
What is MyFinance?

MyFinance is a free online Financial Management Tool that allows you to track spending, set budgets and plan your financial future by combining information and transactions from all of your financial accounts, both inside and outside the credit union. 

Learn more

Can I deposit a check made payable to someone else with mobile deposit?

Checks deposited into an account must be made payable to an account holder.

Are there limits on the dollar amount and number of mobile deposits I can submit?

Mobile deposit limits are based on the type of checking account you have. These limits include a daily dollar amount and number of items deposited daily. If you have specific questions, come in or call the credit union: 800.897.6991.

How will I know that Truity Credit Union has received my mobile deposit?

After submitting the check, you will see “payment successfully scheduled” at the top of the screen. Within the Deposit Check feature, under Recent activity, you will see the status of your check. It will say one of three things:

  1. Accepted. This means the image and amount of your check were accepted.
  2. Rejected. This means that the item was rejected. There are multiple reasons why a check may be rejected. If you have questions, please contact us: 918.336.7662 or 800.897.6991.
  3. Needs Review. This means that the check must be manually reviewed before being accepted.
What should I do with my checks after using mobile deposit?

You should retain the check for seven days after the deposit has posted to your account. After that time, you may shred it.

What is Courtesy Pay?

Courtesy Pay is an optional service the credit union offers for your checking account. By providing up to $800, we will pay merchant charges and allow you to pay us back. The small fee associated with Courtesy Pay protects you from receiving returned checks and NSF (Non Sufficient Funds) fees.

Some restrictions apply. 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. Courtesy Pay is available on all checking accounts. 

Learn more at : https://www.truitycu.org/courtesypay

 

What is Bill Pay?

Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account. Bill Pay is offered through digital banking.

Learn more at https://www.truitycu.org/billpay.

 

How do I set up Touch ID for iOS?
  1. Tap the slideout menu and select Settings.
  2. Tap Security in the menu.
  3. Tap the toggle next to Touch ID.
  4. Select Enable Touch ID.
How do I change my profile photo in mobile banking?
  1. Tap the slideout menu, and then select Settings.
  2. On the Profile screen, select the pencil next to the end-user profile image.
  3. Choose to use an existing photo or use the device's camera to take a new photo.
  4. On the Move and scale screen, adjust the photo placement within the frame as desired.
  5. Select Done.
Can I customize my mobile banking dashboard on multiple devices?

Yes, you can!

You can customize a unique Dashboard set up for each of your devices. Changes to one device's Dashboard layout will not affect the arrangement on other devices. 

What is new in the digital banking system?

We think you will enjoy the convenience of:

  • Single sign-on for online and mobile banking
  • Consistency across all devices
  • Logging in with two-factor authentication
  • Adding notes, tags, and pictures to your transactions
  • Manage Truity cards

Plus, check out what’s coming to our new mobile app

  • Easier access to credit card, mortgage, and bill pay information
  • Manage external transfers, mortgages, and multiple account profiles
How do I access digital banking?

You can access the new digital banking and your account on a desktop, laptop, mobile phone, or other internet-accessible device. Simply log in with your existing online banking credentials to both online and mobile banking. There are two access points:

1) Visit our website at www.truitycu.org and click Log In to get started

2) Download the NEW mobile banking app from the Google Play or Apple Store

Note: You will not be able to access the website via old bookmarks or the previous Truity mobile banking app.  



.

Do I need to re-enroll in digital banking on the new system?

There is no need to enroll in digital banking if you have previously enrolled in online banking with Truity. Log in with your existing online banking credentials on either the digital banking website or the new mobile banking app. If you are having trouble logging in, you can reset your password to recover access to your account.

If you have not previously used online banking, then you will have to go through the enrollment process.

Do I need to download a new mobile app?

Yes, you will need to delete your old Truity app and download the new app. The Apple app is available on the App Store and the Android app is available on Google Play. Learn more about what the new app can do at https://www.truitycu.org/app.

How do I access MyFinance in digital banking?

MyFinance is a Personal Financial Management tool that you can use online or from your mobile device. To access:

  • Log in to either digital or mobile banking
  • On the dashboard click on any account to go to the account details page
  • On the account details page, from the options section, click on the MyFinance link

If you have not previously used MyFinance your Truity accounts will automatically sync and you can begin tracking spending, setting budgets, and planning your financial future.

How do I access my credit card account in digital banking?

To access your credit card account in digital banking:

  • Log in to either digital or mobile banking
  • On the dashboard, click on your credit card from the account list
  • On the credit card account details page, from the options section, click on the Manage Credit Cards link
  • A new window will pop up where you can manage your credit card accounts(s)

Note: You will not see your credit card transactions from the credit card page before clicking on the Manage Credit Cards link.

How do I access my mortgage account in digital banking?

To access your mortgage account in digital banking:

  • Log in to either digital or mobile banking
  • On the dashboard, click on your mortgage from the account list
  • On the mortgage account details page, from the options section, click on the Mortgage link
  • A new window will pop up where you can manage your mortgage accounts(s)

Note: You will not see your mortgage transactions from the mortgage page before clicking on the Mortgage link.

Top Product Questions

Can I open a checking account online?

To open a checking account online, click the Checking button at the top of our web page, then click the orange Apply Now button.

You must call or come in to open a new business checking account or an additional checking account. 

Can I have more than one checking account?

You must call or come in to open a second checking account.

Where can I find mortgage rates?

You can find a list of all our mortgage rates online at https://mortgage.truitycu.org/rates.asp

What is GAP?

GAP stands for Guaranteed Asset Protection. It's a loan product add-on service that protects against the hardships of your vehicle being stolen or totaled due to an accident. In these unfortunate events, a borrower can sometimes owe significantly more than the value of the vehicle — this is known as the “gap.”

GAP Advantage is designed to cover the difference in the vehicle value and the balance of your loan. In some cases, GAP can even provide an additional $1,000 toward the purchase of a replacement vehicle when your vehicle is totaled and a new loan is opened at Truity Credit Union.

GAP coverage for autos, trucks, SUVs and motorcycles is a one-time cost of $495. Come in or call 800.897.6991 to add it to your loan.

Learn more at : https://www.truitycu.org/gap

 

What is an Education Savings (Coverdell) account?

Coverdell Education Savings Account (Coverdell ESA) is an account created as an incentive to help parents and students save for education expenses.

Learn more at https://www.truitycu.org/coverdell.

What is Identity Checking?

Identity Checking is built around a special perk—Identity Theft Recovery. If you are concerned about protecting your identity from fraud, this is the account for you. If you suspect your identity has been compromised, we've got you covered.  

Learn more and open your account at https://www.truitycu.org/identitychecking.

What is Dividend Checking?

With a dividend checking account, you will earn dividends. Packed with perks—from Mobile Banking, to overdraft protection and ATM reimbursement—this checking account fulfills all your checking needs.               

Learn more and open your account at https://www.truitycu.org/dividendchecking.

What is Advantage Checking?

Advantage Checking with tiered dividends is designed for members who typically have a high balance in their checking account. It's our premium account that provides all of our standard checking benefits and a few extra perks, including identity theft monitoring.       

Learn more and open your account at https://www.truitycu.org/advantagechecking.

What is Simple Checking?

Simple Checking gives you the resources you need to manage your day-to-day finances without a lot of complex requirements.               

Learn more and open your account at https://www.truitycu.org/simplechecking.

What is Savings Account/Prime Share?

Your savings account automatically makes you a member and part owner of the credit union. Are you saving for a purpose? Whatever your reasons—a big purchase, car insurance, vacations, and that rainy day fund—you will benefit from a Truity Credit Union savings account. Get started today.   

Learn more and open your savings account at https://www.truitycu.org/savingsaccount.

What is a Johnny Appleseed Savings Account?

Johnny Appleseed accounts are savings accounts designed specifically for kids from birth to 12 years old. The accounts help children develop good saving habits by providing saving incentives and fun activities throughout the year. Come in to open one for a child you love. Minimum opening balance is $5.

Learn more at https://www.truitycu.org/johnnyappleseed.

What is a Christmas Savings account?

A Christmas Club account lets you save for holiday spending in advance rather than relying on credit cards at the last minute. You can arrange to have the money deducted directly from your paycheck, making saving as painless as possible.             

Learn more at https://www.truitycu.org/christmassavings.

What is a Business Savings account?

A Share Savings Account is part of every member’s ownership in Truity Credit Union and that's no different for our business members. Minimum opening balance is $25.

What is a Money Market account?

Money Market accounts reward you with a competitive dividend rate based on the balance in your account. You’ll receive higher interest rates for larger balances. Money Market accounts include limited check-writing privileges.

Learn more at https://www.truitycu.org/moneymarket.

What is a Name It Save It account?

Our Name It Save It account has no minimum to open, no monthly service fee and a great rate. You'll reach your savings goal in no time!

Learn more and open your account at https://www.truitycu.org/nameitsaveit.

What is a Health Savings Account?

An HSA is a special account used used in conjunction with a High Deductible Health Plan (HDHP) to pay for qualified current and future medical expenses. Come in or call 800.897.6991 to establish your HSA if you are covered by a high-deductible health plan.

Learn more at https://www.truitycu.org/hsa.

What is Premier Savings?

With our Premier Savings account your dividend rate grows as your balance does—helping you to earn more as you save. With no monthly service fees and a healthy rate, we make saving easy.         

Learn more and open your account at https://www.truitycu.org/premier.

What are Share Certificates?

Share Certificates are similar to certificates of deposit, and you'll typically earn higher dividends than you would with a regular savings account. Choose from a variety of terms available from 91 days to five years. Open a share certificate today with as little as $500.    

Learn more and open your certificate at https://www.truitycu.org/certificates.

What is an Individual Retirement Account (IRA)?

Traditional and Roth IRAs offer tax incentives to help you save for retirement. Truity offers both. Come in or call and we'll help you determine the best type for you. 

Learn more at https://www.truitycu.org/ira.

What is Extended Vehicle Warranty?

We're proud to offer Route 66 Extended Warranty coverage for your vehicle. This coverage picks up where manufacturers' warranties end and is less expensive than many other extended warranty options. It's available for newer, as well as older, year model vehicles, even if you didn't finance your vehicle with us.

Learn more at https://www.truitycu.org/extendedvehiclewarranty.

 

Top Services Questions

What are CURewards and how do I get started?

CURewards™ is the credit union's rewards program offered on our Platinum Rewards and Signature Rewards credit cards. To find out more, visit our CURewards page.

How do I enroll?
Your credit card account is automatically enrolled into the CURewards™ program. 

Where do I view my CURewards™ points?
Your points will be listed on your credit card statement.

How do I redeem my points?

Register on the CURewards™ website to shop and redeem your points.

What is Courtesy Pay?

Courtesy Pay is an optional service the credit union offers for your checking account. By providing up to $800, we will pay merchant charges and allow you to pay us back. The small fee associated with Courtesy Pay protects you from receiving returned checks and NSF (Non Sufficient Funds) fees.

Some restrictions apply. 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. Courtesy Pay is available on all checking accounts. 

Learn more at : https://www.truitycu.org/courtesypay

 

What is Debt Protection?

Debt Protection is a loan product option that will protect you, your loan, your credit, and most importantly your family during those unplanned events in life. Through death, disability, unemployment, and more, you can help your loved ones by being prepared for the financial changes that come along with these difficult situations. Debt Protection will cover your loan payment or possibly forgive your loan depending on the type of event.

Learn more.

What is Bill Pay?

Bill Pay allows you to pay anyone, anywhere right from your computer or mobile phone. There is no limit to the number of bills you can pay, and this service is free to all members with a checking account. Bill Pay is offered through digital banking.

Learn more at https://www.truitycu.org/billpay.

 

What is Skip A Pay?

Need a little extra spending money? We can help—just skip your next Truity loan payment! Pay a $38 fee and use the money you would have paid on your loan for something else. Some restrictions apply.

Learn more at https://www.truitycu.org/skiploanpayment.

 

What are eStatements?

eStatements are electronic monthly account statements provided for free to all members. They are a fast and secure way to receive the details of all your Truity accounts consolidated into one single statement.

Learn more at https://www.truitycu.org/estatements.

What are wire transfers?

When you need to move money from your credit union account to another person or account in the quickest manner, send a Wire Transfer.  Wire Transfers are helpful when sending large amounts of money to another financial institution or when sending money to other countries.

Learn more at https://www.truitycu.org/wiretransfers.

 

What is ACH?

Automated Clearing House, known as ACH, is the easiest way to electronically send money to and from your account at other financial institutions. Also known as External Transfers, it is the electronic linkage of accounts that you can fully control through digital banking.

Learn more at https://www.truitycu.org/ach.

 

What is Overdraft Protection?

Overdraft protection is used for those occasional times you might accidentally overdraft your checking account. You can designate one or more of your accounts to be a back-up so your check would still be honored. Set up a line of credit as your overdraft account and drawing on that line is free. (Interest charges could apply.) If you use a savings account as your overdraft source, there is a small $3 fee charged only when you use the service. Come in or call to set up overdraft protection. 800.897.6991.

 

What is SwitchKit (ClickSwitch)?

A switch kit will help you consider all the automatic payments and direct deposits attached to your old checking account when you open a new checking account at Truity Credit Union. It will help create a process that is simple and organized.

Learn more at https://www.truitycu.org/switchkit.

 

What are Shared Service Centers?

Credit unions all over the country have partnered together to give members literally thousands of convenient locations to perform transactions just as if they were in their home credit union.

Credit Union Service Centers

At Shared Service Centers, you’ll be able to conduct a range of transactions, including:

  • Deposits and withdrawals to and from your credit union account
  • Transfer funds
  • Make a loan payment to your Truity loan (not including Mortgage and VISA payments)

When using a Shared Service Center, you will be asked to provide some important information:

  • The name of your credit union (Truity Credit Union) or Routing Number (303184652)
  • Your account number
  • Photo identification

Text your ZIP Code to 91989 for a list of CO-OP ATMs and Shared Service Centers near youor visit the link below.

https://co-opcreditunions.org/locator/?ref=co-opsharedbranch.org&sc=1&utm_source=co-opfs.org&utm_medium=cta&utm_campaign=b2bsite&utm_term=locatorpage

What is a safe deposit box?

Store your important documents and heirlooms in a safe deposit box at one of these locations: 

  • 501 S Johnstone, Bartlesville, OK
  • 2612 SE Washington Blvd, Bartlesville, OK
  • 3400 W 6th St, Lawrence, KS
  • 1910 S Thompson, Springdale, AR

 

Does Truity offer notary services?

Notary services are available at all of our branches.

To have a document notarized, you must present a valid photo ID and sign the document in the presence of the notary. The American Society of Notaries lists “contracts, deeds, agreements and powers of attorney” as examples of frequently notarized documents.

This service is free for members and $5 for non-members.

 

 

Is there a branch near me?

Truity Credit Union has branch and ATM locations in Bartlesville, OK, Lawrence, KS, Houston, TX, and Springdale, AR. If you're not near a branch, you can always visit a Shared Service Center to perform transactions.

I would like to skip a payment

To Skip a Pay, visit one of our branches or contact us at 800.897.6991.

If you are using our chat, just type "Live Chat" to speak with a member consultant representative.

Top General Questions

What is my credit union account number format?

When you come to a branch you can give the teller the shorter account number without the leading zeros, such as 1234567.  When setting up transfers at other institutions or direct deposit you will need more information. Be certain that you are using the correct account format for any transactions including other financial institutions:

Here is an example of our MICR line information:

1 40 0001234567
A B C

A = Draft Type. 1 = Share, 2 = Loan or Line of Credit
B = Share ID. For example, 01 = Savings, 40 or 41 = Checking, 48 or 49 = Performance Fund (considered a checking account)
C = Your 10 digit account number. If the number is less than 10 digits, add leading zeros to the beginning of the number.

Our ABA/Routing and Transit Number is 303184652.

How many withdrawals are allowed from my savings/performance fund each month?

Six electronic withdrawals per month are allowed by law from your savings account. Six electronic withdrawals per month are allowed for Performance Fund accounts as well, and all six of these may be in the form of checks. Withdrawals made in the branch do not count towards the six you are allowed each month.

How do I contact you if I have other questions?

You can use Messages in digital banking to send us a secure message, or you can call 800.897.6991 or email Talk2Us@TruityCU.org.

Are there any current job openings?

Check out our Careers Page to find out!

How can I apply for a job at Truity?
  1. Visit our careers page at https://careers.truitycu.org/
  2. Select the position you wish to apply for under "Featured Careers" 
  3. A new tab will open to our application through ADP. Click "Apply"
  4. Follow the prompts to complete the application, then submit it.
  5. We will follow up with you by phone or email regarding our decision as soon as we can!
How do I use the Truity Bot?

Hello and welcome!

This is the new Truity bot. I can answer many frequently asked questions. Please ask your question as you would normally. I will try to answer it.

How do I become a member of Truity Credit Union?

You're eligible to join us one of these ways:

  1. Work - Employment with a Community Partner allows you to join.
  2. Family - If a family member is a part of Truity, you can be too.
  3. Truity Education Foundation - Supporters of Truity Education Foundation can become members.

To join online, visit https://www.truitycu.org/join. If you prefer, come in to any branch or call 800.897.6991 to join. 

Is there a branch near me?

Truity Credit Union has branch and ATM locations in Bartlesville, OK, Lawrence, KS, Houston, TX, and Springdale, AR. If you're not near a branch, you can always visit a Shared Service Center to perform transactions.

Does Truity have a Board of Directors?

Truity is governed by a volunteer board of directors composed of Truity members. They guide the general direction and affairs of the credit union in accordance with our bylaws.

I need help resolving a double charge on my account.

For account-specific questions, please log in to digital banking and use our secure message center, or call us at 800.897.6991.

Can I have more than one product or service with Truity?

Yes, you can. Truity offers a wide variety of products and services for our members. Truity has multiple checking account options, savings account options, and loan options.

What do we owe on our account?

For account-specific questions, please log in to Digital Banking and use our secure message center, or call us at 800.897.6991.

(If you are accessing this through our chat window simply type "Live Chat" to speak with a member service representative.)

Where is Truity Credit Union located?

Truity Credit Union has branch and ATM locations in Bartlesville, OK, Lawrence, KS, Houston, TX, and Springdale, AR. If you're not near a branch, you can always visit a Shared Service Center to perform transactions.

I have a question about a charge on my account.

For account-specific questions, please log in to digital banking and use our secure message center, or call us at 800.897.6991.

What benefits/perks do I receive for being a member?

All Truity members have the opportunity to purchase a variety of perks through our affiliates. Some of these include: 

  • Discounted tickets to Silver Dollar City and White Water
  • Discounted Premier Movie Tickets to Regal Cinemas are available in our branches
  • Postage stamps (books of stamps only) are available for purchase from tellers or member consultants at any of our locations

Routing Number: 303184652