"At Truliant, we shine because everyone under the sun is welcome, invited to contribute as their authentic self and accepted for their unique perspectives and ideas."
"Our beliefs about the value of inclusion and belonging shapes our internal culture and are integrated into the fabric of who we are as an organization, to our members and within the communities we serve."
- Precious McCloud, Senior Vice President, Inclusion and Belonging
Our Four Pillars of Inclusion and Belonging
A culture of inclusion is like a strong bridge – it requires a solid foundation and unwavering support to connect us all. Our Four Pillars of Inclusion and Belonging serve as the foundation for the meaningful connections with:
Common respect for the unique value of every individual
Enjoyable place to work where teammates feel valued, empowered and rewarded for all that they do
Improve lives by providing meaningful direction for our teammates
Our People
We believe that differing opinions and diverse talent are essential to our success.
We attract, hire and retain a workforce that reflects the communities we serve, ensuring every employee has the tools and opportunity to thrive.
We recognize that the diverse perspectives and experiences of our employees drive innovation and strengthen our organization; we actively seek ways to celebrate and leverage those differences. We ensure access to opportunities, development and resources for all employees through transparent policies and fair practices.
Our Culture
We strive to provide all employees with an enjoyable place to work where they feel valued, empowered, and rewarded for all that they do. (Employee Promise)
We foster a culture where respect, psychological safety, and belonging are integral to every interaction, encouraging employees to confidently bring their authentic selves to work every day.
We are dedicated to fostering a culture of trust, civility, and inclusion where everyone feels they belong and their voices are valued.
Our Members
We place our members at the heart of our mission by offering financial solutions and creating experiences that reflect and honor their diverse needs.
We celebrate diversity as a strength that enriches our decisions, strengthens relationships, and ensures our financial solutions meet the unique needs of everyone we serve.
We engage with every member through compassion, respect, and understanding; providing personalized service that embodies our commitment to inclusion and care – regardless of their background or financial circumstances.
We encourage you to join our our diverse membership. Learn how easy it is to become a member today.
The Communities We Serve
We strengthen our ties to the community by partnering with organizations, supporting initiatives, and investing in meaningful programs that uplift and advance inclusion for all.
We dedicate resources to charitable giving, sponsorships, and grants that support causes aligned with our mission to enhance the quality of life in the communities we serve.
We cultivate a spirit of giving by empowering and supporting our employees to volunteer their time and skills to make a meaningful impact in their local communities.
Integrity, Respect and Empathy
"For over 60 years, Truliant has celebrated the diversity of our workforce and that of our member base. We have created a culture where everyone is treated with integrity, respect and empathy. This extends beyond our walls and into our communities. We remain deeply engaged in making the communities that we serve better."
"We recognize that we would not be the organization that we are today without the dedication and commitment of a wonderful and diverse group of people who further our mission to improve lives every day. We stand against racism, we stand for inclusion and we stand in solidarity with our teammates and our communities."
- Todd Hall, Truliant President and CEO
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$5.00
Waived with any of the following:
1) Monthly Total Deposits ≥ $250, or
2) 23 or younger
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 (Domestic / International)
Wire transfer (outgoing)
$25.00 (Domestic) $35.00 (International)
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Our Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Checks and other transactions made using your checking account number
Automatic recurring drafts made using your debit card number
We also offer Balance Backup+ for the following types of transactions when insufficient funds exist in your account:
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$25.00
Waived with any of the following:
1) Average Monthly Deposit Relationship ≥ $25,000, or
2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000
Order checks
Standard Truliant Checks are free
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International (incoming wires are free)
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Lifestyle Protection and Savings
Cell phone protection coverage
24/7 roadside assistance
Buyer protection and extended warranties
Telehealth for your family
Save on healthcare (prescription, vision and dental discounts)
Travel and leisure discounts
Shopping perks (receive cash back or use for purchases)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
Free standard Truliant checks
Free official checks
Free incoming wire transfers
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$7.50
Waived with any of the following:
1) Monthly Direct Deposit ≥ $500, or
2) Average Monthly Checking Balance ≥ $1,500, or
3) Average Monthly Deposit Relationship ≥ $5,000
Order checks
Standard Truliant Checks = $10.00
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 Domestic or International
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members. See more details here.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Lifestyle Protection and Savings
Cell phone protection coverage
24/7 roadside assistance
Buyer protection and extended warranties
Telehealth for your family
Save on healthcare (prescription, vision and dental discounts)
Travel and leisure discounts
Shopping perks (receive cash back or use for purchases)
All identification must be valid, have a full-face photo, and not be expired.
Additional documents may be requested to verify identity and residency.
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
