A phone screen repair runs a few hundred dollars. So does a tow when your car won’t start on Tuesday morning, or an urgent care visit at 9 p.m. when your kid has an ear infection and the pediatrician closed hours ago.
If you have a Truliant checking account, you already have help with many of life’s unexpected expenses. Essentials Plus and Reserve Plus come with more than 18 perks built for these situations. Here’s what’s in your account and where to find it.
Truliant Essentials Plus and Reserve Plus checking accounts include everyday banking features like Early Pay, automatic overdraft protection and 80,000 surcharge-free ATMs with multiple perks covering your phone, car, health and purchases.
A sign-up bonus is nice on day one. The better test of a checking account is what it keeps doing for you after that.
Altogether, Truliant estimates the perks included with Essentials Plus & Reserve Plus at more than $1,000 in annual value. Of course, what they’re worth to you depends on which ones you actually use.
Beyond phone and car coverage, Truliant checking perks help with health costs, big purchases, identity protection and everyday savings. These perks are built around real-life scenarios.
When someone gets sick after hours. Telehealth connects you to a U.S.-based doctor by video or phone, 24/7, with no copay. It covers you, your spouse or domestic partner and your dependent children. For the ongoing costs, healthcare savings brings discounts on prescriptions, eyewear, eye exams and dental care. Neither one is insurance. They work alongside coverage you already have.
When something expensive breaks. Buyer’s protection covers new purchases for 90 days against breakage, fire or theft. The extended warranty adds up to a year onto the manufacturer’s warranty. So the washing machine that dies 13 months in, right after the warranty expired, may still be covered.
When someone tries to use your name. Credit and identity monitoring watches your credit files and scans the dark web for your personal information. If something happens, you get up to $10,000 in identity theft expense reimbursement and a dedicated specialist who handles the recovery work with you.
When you’re spending money anyway. Travel and leisure discounts pull coupon offers from thousands of local and national businesses. Shopping rewards give you cash back when you shop through Truliant’s online portal. You don’t have to change what you buy. You start from the portal instead of going straight through to the retailer.
To activate your Truliant checking perks follow the steps below:
Some benefits need to be activated or registered before you can use them or file a claim. Cell phone protection, for example, requires that your cell phone bill be paid from a Truliant account. Others have their own eligibility requirements.
Take a few minutes to read through the benefit guides in the app. They cover what’s included and how to file a claim.The $7.50 monthly service fee on Essentials Plus Banking can be waived in three ways, and it’s waived automatically for your first two statement cycles.
You can avoid the fee by meeting any one of these criteria:
Most members who have their paycheck deposited to Truliant meet the first one without thinking about it. If your direct deposit is already set up here, the fee is likely waived.
A one-time bonus pays off once. A checking account with ongoing perks can keep adding value every month you have it.
That’s where Truliant checking is different. Early Pay can get your paycheck to you up to two days early. Automatic overdraft protection can help when the timing gets tight. And 18+ perks can help with everything from a cracked phone to a dead battery.
Essentials Plus and Reserve Plus include Early Pay, automatic overdraft protection, no Truliant ATM fees and 18+ perks such as cell phone protection, roadside assistance, telehealth, healthcare savings, buyer’s protection and extended warranty, credit and identity monitoring, travel and leisure discounts, shopping rewards and Truliant Amphitheater Fast Lane access.
Log in to the Truliant app, select More, then choose Checking Perks. From there, you can review the benefits available with your account and activate the ones you want. Some benefits require activation or registration before you file a claim.
Yes. Coverage includes 24-hour towing, fuel delivery, battery, lock-out and tire help, up to $100 per occurrence and twice per year.
Truliant estimates the perks included with Essentials Plus at a value of $90 per month, or over $1,000 per year. What they’re worth to you depends on which ones you use.
Meet any one of three requirements: $500 or more in total qualifying direct deposits each month, an average monthly balance of $1,500 or an average of $5,000 in monthly balances across all qualifying deposit accounts. The fee is also waived for your first two statement cycles.
Both accounts include the same checking perks. What differs is the monthly service fee, what it takes to waive it and whether the account earns dividends.
Essentials Plus has a $7.50 monthly service fee. You can waive it with $500 or more in total qualifying deposits, a $1,500 average monthly account balance, or $5,000 in average monthly balances across all qualifying deposit accounts.
Reserve Plus requires a $500 minimum opening deposit and has a $25 monthly service fee, with two ways to waive it. An average combined monthly deposit balance of $25,000 or more, or an average of $50,000 or more in monthly investments through Truliant Financial Advisors. Reserve Plus also earns dividends on your balance.
For both accounts, your monthly fee is waived for your first two statement cycles, and members can hold one Essentials Plus or one Reserve Plus account at a time.
Some of them, yes. Certain benefits need to be activated or registered before you can use them or file a claim, and some have their own eligibility requirements. Check the benefit guides in the Truliant app for the details on each one.
A cracked phone. A dead battery. A doctor after hours. A purchase that breaks sooner than it should. You can’t plan for every little expense life throws at you, but it helps to know your checking account may already have your back.
If you have Essentials Plus or Reserve Plus, take a few minutes to see what’s included. Open the Truliant app, select More then Checking Perks. You may find a benefit you didn’t know you had.
Not a member yet? Explore Truliant checking and see what comes with it.
Log in to the Truliant app, select More and choose Checking Perks to see what’s available with your account. If you’re not a member yet, joining Truliant takes $5 and just a few minutes.
