DELAYED OPENING: On Thursday, January 4, 2018, Truliant’s Alamance County, Asheboro, N.C. and Richmond, Va. locations will open at 10 a.m. due to inclement weather. All other locations will have normal business hours. You can still pay bills, transfer funds, apply for loans and more using Truliant’s Tru2Go online tools.
Delayed Opening: On Friday, Jan. 19, 2018, all North Carolina Truliant locations will open at 10 a.m. due to snow conditions. Truliant's Virginia and Greenville, S.C. locations will open with regular hours. You can also pay bills or transfer funds by using our Tru2Go online tools: Apply for loans by calling our 24-hour loan line at 855.293.2957 or by visiting our loan application page.
personal checking

ChecProtect Overdraft Options

  • ChecProtect provides peace of mind by covering debit card transactions and checks you write 
  • Avoid the embarrassment and fees of a bounced check or declined card payment 
  • Easy to sign up and use, for those times when you need a little bit of extra help
  • Product Details
  • Fees and Terms
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  • We're here to support you when you don't have enough money in your account to cover a transaction. Our ChecProtect coverage offers members emergency overdraft protection that will allow important items to clear and help them avoid returned payment fees from payees.

    ChecProtect Has Your Back, and Your Checks Covered

    • Covers up to $300 on Basic, Advantage and Senior Advantage checking accounts. It also includes all Money Market accounts (including fees) when funds are unavailable (paper checks, electronic drafts and debit card transactions run as credit).
    • The next deposit into your account will be used to pay the amount of the overdraft. This repayment needs to occur within 15 days of the overdraft to keep ChecProtect active.
    • Choose to add or remove ChecProtect from your account anytime

    We’re committed to your financial well-being and we want to help you improve your financial situation. To qualify for ChecProtect, we ask that you meet these criteria:

    • You automatically qualify if you maintain a Truliant Preferred Line of Credit
    • Meet credit requirements if your checking account has been open fewer than six months 
    • For member-owners with checking accounts open more than six months, you must meet credit requirements plus use direct deposit or show a history of depositing at least $400 monthly.
    • If you’re a member-owner with a checking account open more than six months, but you don’t meet credit requirements, you'll need an average monthly checking balance of at least $200 for the past three months; fewer than four returned items in the past six months; and use direct deposit or show a history of depositing at least $400 monthly.

    Preferred Lines of Credit Deliver Great Protection Inexpensively

    • Provides automatic overdraft payment on checking accounts with a low, variable rate based on your loan limit amount
    • No maintenance fees or other fees when you use this unsecured loan to cover an overdraft
    • Open a line of credit between $500 and $35,000 to obtain the flexibility you need
    • Enjoy a low monthly payment (2% of your balance with a $50 minimum)

    To qualify for a Preferred Line of Credit, we ask that you meet these criteria:

    • All loans are subject to credit approval
    • Meet additional requirements that may apply based on underwriter specifications

    Ready to Apply?

    When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. Contact us to sign up for our Overdraft Protection Options and get the peace of mind you need. Or feel free to visit one of our Member Financial Centers in North CarolinaSouth Carolina and Virginia. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives.

  • What are the standard overdraft practices that are offered with my account?

    Truliant will first attempt to draft from your savings account for a $2 fee. If the funds in your savings account are unavailable, Truliant offers ChecProtect to cover your overdrawn checking account up to $300 (including all overdraft and other fees).

    • Debit card transactions when you sign for your purchase (or when you do NOT use a PIN)
    • Paper checks
    • Automatic drafts (ACH transactions)

    Truliant pays overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

    What fees will I be charged if Truliant pays my overdraft?
    Under our standard overdraft practices (our ChecProtect service):

    • We will charge you a fee of $29 each time we pay an overdraft.
    • There is no limit on the total fees we can charge you for overdrawing your account.

    What types of transactions are covered with ChecProtect?

    ChecProtect will only pay overdrafts for the following types of transactions, after you have given us permission to do so:

    • Non-pin based debit card transactions
    • Paper checks
    • Automatic drafts or ACH transaction

    How do I sign up for ChecProtect?

    • To make your overdraft selection, call your local number or 800.822.0382. You may also complete a form (please ask a member service representative for the form) and bring it to a branch or mail it to: Truliant Federal Credit Union, Attn: Member Service Support, P.O. Box 26000, Winston-Salem, NC 27114-6000.

  • The most important feedback we get comes from our member-owners. We’re interested in hearing about your experience with Truliant’s products and services. Please provide a detailed review of your experience with this product. Our goal is to provide you with superior service, so you can focus on what really matters.
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