As a not-for-profit organization, we prioritize serving our members, not maximizing profits. That’s how we pass on savings through better rates.
Lower Fees
Enjoy fewer and lower fees compared to traditional banks, saving you more in the long run.
Personalized Service
We focus on building lasting relationships with our members, offering tailored advice and support to help you navigate your finances with ease.
Who is Eligible?
Joining Truliant is easy! You can become a member if you meet any of the following criteria:
Association Membership: Residents of any U.S. state can join for free through the American Consumer Council
Location: If you live, work, worship or attend school in a county near one of our branches
Family Ties: If you have an immediate family or household member who is currently a member of Truliant, you're eligible too
Employment: Employees of our partner companies automatically qualify
How to Join
Becoming a Truliant member is simple:1
Start with a product you need: Select your first product, such as a checking account or loan, and then you will also be asked to open a membership savings account2 with only a $5 deposit needed.
Quick and easy application: Apply online3 or at a branch.
Business Accounts
Ready to open a business account?
Start with a $5 deposit to open a Business Savings account, then add other accounts as needed. We may ask for a bit more info than a regular savings account, but we’ll guide you through it. Learn more.
Making a Difference is Our Strong Suit
Because we are member-focused, we prioritize what truly matters—investing in our communities and putting value back into your financial future.
A credit union is a not-for-profit financial institution owned and controlled by its members, offering financial services like checking, savings accounts, loans, and credit cards, with the goal of serving members' financial needs rather than maximizing profit.
Becoming a member is fast and easy. If you join online, the process takes about 10 minutes, assuming you don’t need to provide any additional information. If you join at a branch, it usually takes about 30 minutes.
What documentation do I need to open an account?
You will need at least two forms of government-issued photo identification, such as a valid driver's license or passport and a Social Security Number or individual taxpayer identification number. Plus, a utility bill with your current address information.
Credit union members receive a number of benefits including:
Fewer fees
Lower loan rates
Potentially higher rates of return on savings accounts
Personal attention
Free financial education
And more!
What products and services do you offer?
At Truliant we offer a variety of products and services to help you achieve your financial goals, personal and business.
Loans
Credit Cards
Deposit accounts, such as, checking, savings and certificates
Mortgages
Insurance
Financial advisors
Bilingual representatives
Digital Banking
Online applications
Do you offer business accounts?
Yes. We offer a variety of commercial loans, SBA loans, credit card, deposit accounts, insurance coverage, payment processing, etc.
(1) Your application must satisfy Truliant’s review and approval.
(2) As a condition of your membership, you must maintain a Membership Savings account with a $5.00 minimum balance. Opening deposits vary by account type. Credit approval and other restrictions may apply.
(3) To apply online, you must be at least 18 years of age and a U.S. citizen or permanent U.S. resident to apply. Must meet qualifications in online form.
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 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.
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.
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:
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.
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.
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.
Acceptable forms of identification:
Driver’s license (state or U.S. territory issued)
Driver’s license learner permit (state or U.S. territory issued)
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:
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Low-cost standard Truliant checks — Only $10 per order
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.
