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Welcome WJC Members

Important information about the merger.

Dear Former WJC Members,

Since we announced the merger of WJC and Truliant back in October, our teams have been working hard to ensure your transition from being a WJC member to a Truliant member is a seamless one. We are excited to announce that as of Monday, February 1, 2021, your WJC branch is now open for the first time as Truliant Federal Credit Union! Visit our Dasmascus branch page, which includes directions, amenities and hours.

Your accounts and/or loans have been matched to similar products offered by Truliant. As of February 1, 2021, your WJC products have been automatically converted to the Truliant products shown on these Product Guide Information Charts. These charts outline important information related to your new account(s).

You should have received a personalized letter from Truliant. This letter provided your specific Truliant membership information, your account and loan numbers, as well as exciting information on the many new ways you’ll have to access your credit union. If you did not receive a letter from us, please contact us at 855.816.2245.

To answer questions you might have regarding your transition to Truliant Federal Credit Union, please see our list of Frequently Asked Questions below. The current Account Terms and Truth in Savings Disclosures related to your new Truliant membership can be found here.

As a reminder, there is no immediate action required on your part at this time – simply continue to conduct business as you normally do. However, each banking relationship is unique and after reviewing this information, if you have additional questions, please make an appointment online to visit your new branch, or call us at 855.816.2245.

On behalf of our entire staff, welcome to Truliant Federal Credit Union!


Frequently Asked Questions about the WJC merger

How does this conversion affect me?
Truliant is in the process of converting WJC accounts to the Truliant system. Beginning February 1, 2021, you will have access to a broader range of financial products and services and online options to make your banking experience more convenient than ever.
When will WJC formally change its name to Truliant?
Beginning February 1, 2021, you will see the Truliant name and logo on exterior signage, communications and promotional materials in the local area.
Will there be changes to my account and member numbers?
Your member and account numbers will change and will be communicated to you via mail, which you will receive prior to February 1, 2021. In the meantime, please continue to conduct business as you do today.
How can I get set up with Online Banking?
Beginning Monday, February 8th, WJC members will be able to set up their Online Banking access. You can use the Online Banking login page here.

When logging into Online Banking for the first time:
  • Your temporary username is your member number. We recently sent a letter to all WJC members with this information.
  • Your temporary password is the last four digits of your Social Security number.
  • You will be required to change your username and password during the initial Online Banking session.
Learn more about Truliant's Online Banking and Tru2Go mobile app.
What will happen to the rate and term of my loan?
Most loan accounts will retain their existing terms and conditions. Please refer to the Product Guide – Loan Account Information Chart.
What will happen to my certificate account?
Your rates and terms for your certificate account will stay the same through maturity unless otherwise indicated in the Product Guide – Deposit Account Information Chart. At maturity, you will have the option of renewing them at the rates and terms being offered at that time.
Will I be able to withdraw money from my certificate account prior to the maturity date?
Yes. However, early withdrawal penalties may apply if money is withdrawn or the certificate is closed before the maturity date. Penalties are only charged against earned dividends and never taken from the principal balance. Please refer to the Account Terms and Truth in Savings Disclosures for additional details.
What if I want a different product type for my account?
After reviewing your new product and services information, should you feel a different product would better suit your needs, stop by your local branch or contact us at 855.816.2245 after February 1, 2021. We will work with you to best meet your needs.
What happens after the conversion if I have a joint account?
When your account(s) transition to Truliant, non-primary account holders included on your accounts will also have access to the account. If you do not wish to allow this access, please notify us at 855.816.2245 after February 1, 2021.
If I have a joint membership with another person, but that joint member is not a co-signer of my loan account(s), can the joint member obtain information about my loan?
No, only the member(s) that are associated with each individual loan account can access information about that loan.
Will my routing number change? If so, when?
Yes. Your new Truliant routing number will be effective on February 1, 2021. The new number will be 253177832 and should be used with your new Truliant account numbers once your accounts transition to the Truliant system. Please contact any direct deposit sources or companies that take automatic payments from your account to give them your new routing number beginning February 1, 2021.
Will I have immediate access to my funds after the system conversion takes place on February 1, 2021?
Truliant will enter the WJC credit union data into our system prior to February 1, 2021 and your funds will be accessible to you on our system with no interruption in service.
Is there any type of waiting period before I can open a checking account or apply for a loan at Truliant?
We welcome you to contact us about additional account options by phone, in person or apply through our website as soon as we complete our system conversion beginning February 1, 2021.
Will my accounts still be covered by NCUA insurance?
Yes, Truliant is a federally insured credit union. Any deposit made to an account you open on or after the date of the merger at WJC is a Truliant deposit for NCUA insurance purposes. The National Credit Union Share Insurance Fund insures individual accounts up to $250,000, and a member’s interest in all joint accounts combined is insured up to $250,000. The Share Insurance Fund separately protects IRA and KEOGH retirement accounts up to $250,000.
What if I am already a Truliant member?
Because you are already a Truliant member, your WJC primary savings account will appear as a Regular Savings account under your existing Truliant membership. All other WJC savings, club and loan accounts will also appear under your existing Truliant Membership after February 1, 2021. After the merger, you may contact a Truliant Member Service Representative about making any changes to your accounts and discuss the best options for you.
When will I be able to use Truliant branches or ATMs for my banking needs?
Once your accounts have transitioned to Truliant on February 1, 2021, you will then have access to our banking network of more than 30 branch locations along with the added convenience of our ATM services. Visit our Locations page for more details.
If I have a question about a transaction that occurred before February 1, 2021, who should I contact?
You may call or stop by your local branch location. A representative will be happy to assist you with questions or concerns. You may also contact us at 855.816.2245.
When will I receive my first Truliant account statement?
You will receive your final WJC statement for the month of January 2021. This statement will be mailed in early February 2021. Your Truliant statement will begin on February 1, 2021.
Will I be able to receive a paper statement?
Yes, you will continue to receive paper statements each month or quarterly depending on your account type. After February 1, 2021, you may opt in to receive electronic statements. You will receive more details about how you can sign up along with more about Truliant’s digital and online service options in early February 2021.
Will there be a change in the time when transactions post to my account?
Yes, once your account transitions to Truliant on February 1, 2021, transactions will post to your account in real time. Items presented for payment will be paid according to the balance in your account at the time of presentment. Transactions will be reflected as soon as they post daily and available balances are always up to date with respect to all known items. Please ensure that you have adequate funds in your account to cover transactions in order to avoid any non-sufficient funds fees. Please refer to our Account Terms and Truth in Savings Disclosures for specific fee information.
When can I request a Truliant ATM Card?
Beginning February 1, 2021, you will be eligible for an ATM card to access your Truliant Savings account. To order a card, visit your local branch or give us a call at 855.816.2245. Once your accounts have transitioned to Truliant, you will then have the added convenience of our surcharge-free ATM network. Visit our Locations page for more details about our ATM locations.
When can I request a Truliant Debit Card?
Beginning February 1, 2021, you will be eligible for a Truliant Debit Card to access any new checking account that you open at Truliant. To order a card, visit your local branch or give us a call at 855.816.2245. If you open a checking account with Truliant, a debit card can be issued at the Damascus branch that day.
When can I open a checking account at Truliant?
Beginning, February 1, 2021, you can visit your local branch or call us at 855.816.2245 to apply for a new Truliant checking account.
Will I have access to 24-Hour Telephone Banking?
Yes, after your accounts convert to our system beginning February 1, 2021, you will have access to our
automated RSVP Phone Banking system 24 hours a day, 7 days a week by calling 800.822.0382. You can also speak to a call center representative:

Monday – Thursday: 7:30 a.m. – 5:30 p.m.
Friday: 7:30 a.m. – 6 p.m.
Saturday: 9 a.m. – noon.
Will there be a change in daily lobby and drive-thru hours?
Your Damascus branch lobby and drive-thru will be open:

Monday – Thursday: 9:00 a.m. – 5:00 p.m.
Friday: 9:00 a.m. – 6:00 p.m.
When will I be able to register for Truliant’s Online Banking, Mobile Banking and Bill Pay system?
Once your account(s) transition to the Truliant system in early February 2021, you will have access to Truliant’s online banking, mobile and bill pay services. Information required to set up online banking services will be mailed to you in the coming weeks.
What technology improvements can I expect to see as a result of the merger, and when?
Truliant is much more than a great place for loans, we’re the best place for all your banking needs. We have all of the products, services and technology to make everyday banking easy. Through your membership with Truliant, you will have access to new online and mobile banking technology to help you manage your money anytime, anywhere. We will communicate more about these services in the coming weeks.
When will I be able to access my new account(s) using Truliant’s Online Banking platform?
In early February 2021, you will be able to enroll in Truliant’s online and mobile banking services. Until then, continue to bank and make loan payments as you as you normally would. Watch your mailbox and email in the coming months for additional information about signing in to our Online Banking platform. You’ll be informed every step of the way as we make the full transition to Truliant.