Truity Credit Union

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Fuel Your Summer

Get $100 When You Open a NEW Checking Account!*

Discover Your Ideal Checking Account

Our checking accounts are designed to fit your needs, whether you prefer something simple and free, higher dividend earnings, or enhanced account protection and perks.
Applying only takes about five minutes.

Looking for business checking accounts?



Protection Plus


Premium Banking

High Yield

Basic + Dividends


Simple + Free

  Apply Now  Apply Now  Apply Now  Apply Now 
Minimum Opening Deposit $0 $5,000 $0 $0
Minimum to Earn Dividends $0 Tiered Dividends22 $0
Minimum to Avoid Service Fee 20+ debit transactions/month23 $5,000 (Avg. Daily Balance)
Monthly Service Charge $5.00 $20.00
Paper Statement Fee $3/month $3/month $3/month
Early Direct Deposit26
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
Free Greenlight Membership27
Points Earned with Platinum Rewards VISA® 1pt/$1 1pt/$1 1pt/$1 1pt/$1
Points Earned with Signature Rewards VISA® 2pts/$1 3pts/$1 2pts/$1 2pts/$1
  Apply Now  Apply Now  Apply Now  Apply Now 

All our checking accounts come with these free services

Digital Banking

Manage your account, deposit checks, and more

Greenlight Access27

Free membership to the finance app designed for kids and teens

Get Paid Early

Get paid up to 2 days early26 with early direct deposit

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

Bill Pay

Manage and pay your bills via PC or mobile device

*Must meet the minimum requirements to open a checking account. $100 bonus will be paid upon new account opening. 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 100ONEWCK24. Offer expires 09/30/2024.

2. Preferred Checking is FREE, or $5.00 monthly service charge if less than 20 debit card transactions per month.
3. Essential Checking is FREE.
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.
26. 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.
27. Truity Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Truity Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 01/25/2026. Offer subject to change and partner participation.