Truity Credit Union

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$100 When You Open a NEW Checking Account!*

Compare our checking accounts with others, and you’ll be surprised! Packed with perks — from consumer loan discounts, to identity theft services, to mobile phone coverage, overdraft protection and ATM surcharge reimbursements — our checking accounts fulfill all your checking needs and more!


Enhanced Banking


Premium Banking


Basic Banking

Open Your Checking Account Online Today

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All our checking accounts come with these free services

Mobile Deposit

Deposit checks with our mobile app

Digital Banking

Access and manage your account from your PC

Mobile Banking

Access and manage your account from your mobile device

Bill Pay

Manage and pay your bills via PC or mobile device

Zero Liability

You’re protected with Visa’s Zero Liability Policy

My Finance

Set goals and create a budget with your personal finance management tool

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Get a side-by-side comparison of all checking accounts. Or, answer a few questions and find the account that fits you.

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We also have business checking accounts.


Enhanced Banking


Premium Banking


Basic Banking

Apply Now  Apply Now  Apply Now 
$100 When You Open*
Minimum Opening Deposit $0 $5,000 $0
Minimum to Earn Dividends $0 Tiered Dividends22
Minimum to Avoid Service Fee 20+ debit transactions/month23 $5,000 (Avg. Daily Balance) 5+ debit transactions/month23
Monthly Service Charge $5.00 $20.00 $3.00
Paper Statement Fee $3/month $3/month
FREE Instant-Issue Debit Card
ATM Surcharge Reimbursements14 Up to $10/month Up to $20/month
.25% Discount on Eligible Loans16 NEW
Mobile Phone Coverage15 NEW
Identity Theft Recovery Services17 IMPROVED
Credit + Dark Web Monitoring17 IMPROVED
Dividend Earnings
Free Domestic Wires
Free Checks
Points Earned with Platinum Rewards VISA® 1pt/$1 2pts/$1 1pt/$1
Points Earned with Signature Rewards VISA® 2pts/$1 3pts/$1 2pts/$1
Apply Now  Apply Now  Apply Now 

*Must meet the minimum requirements to open a checking account. $100 bonus is for new Preferred¹ or Advantage² 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 No minimum to open. Preferred checking is FREE, or $5.00 monthly service charge if less than 20 debit card transactions per month.

² A minimum opening deposit of $5,000 is required. A $20 service charge will apply each month if the average daily balance falls below $5,000.

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

22. See Advantage dividend tiers.

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.

Routing Number: 303184652


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© 2021. Truity Credit Union is federally insured by the NCUA.