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Checking Accounts

Open a Checking Account Online.
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Manage your money with a Truliant Checking Account.

  • 24/7 online application
  • Includes debit card, online banking and mobile app
  • Built-in overdraft protection1
  • Truly Free Checking available

You worked hard for your money and shouldn’t have to pay someone to hold it for you.

Truliant’s Truly Free Checking2 makes it easy to manage your money:

  • No maintenance fees or minimum balance required
  • 24/7 online access with Digital Banking
  • Hundreds of ATMs across the country for quick withdrawals and deposits
  • Built-in overdraft protection and Balance Backup available. Learn how to set up Balance Backup by watching the short video below.

What should I expect when opening a checking account?

  1. Apply for your checking account at one of our branches, over the phone or online using our quick, convenient digital application, available virtually anywhere.
  2. Once you apply, we will help to walk you through the rest of the process so if you ever have a question, we're here for you. If you applied online, you can expect the same personalized attention from one of our Deposit Team members.
  3. You will be contacted within two business days to let you know of our decision.
  4. Your new account is available right away so you can access your account online, through one of our locations and at our large network of ATMs.

What checking options does Truliant offer?

At Truliant, we believe that you shouldn't have to pay to have access to your money. While we have our most popular Truly Free Checking available, we also offer other checking accounts that may better suit your needs.

Truly Free Checking

It’s all in the name. Truliant’s Truly Free Checking account isn’t a stripped-down version of a premier account with more features. It’s a no-strings-attached better way to bank. There is no minimum balance to maintain and no maintenance fees. Plus, you get a VISA debit card or ATM card, and access to Digital Banking, the latest technology to help you manage your money anytime, anywhere.

Advantage Checking

Our Advantage Checking helps you to grow your money by earning dividends at a higher rate than our Truly Free Checking. This option is best for members who maintain a $2,500 minimum balance in a checking, savings or money market account.3

Senior Advantage Checking

Specifically designed for members who are 55 years and older, our Senior Advantage Checking account provides higher dividends than our Truly Free Checking without having to maintain a minimum balance.

Launch Checking

Learning how to maintain a checking account requires a disciplined approach. We're here to help you improve your financial situation with a no-fuss, free checking account. Launch checking allows you to manage your money stress-free with no minimum balance requirement. Best of all, after six months of responsible activity, you may qualify for an upgrade to Truly Free Checking.

What features do Truliant checking accounts offer?

A great checking account is one that works for our members. From getting cash back on everyday purchases to built-in protections, get more out of your checking account at Truliant.


Our checking accounts offer complete access to Digital Banking and the Tru2Go mobile app where you can deposit checks, transfer funds, pay bills and manage your money online.

External Funds Transfer

Easily transfer money from and to your Truliant account with a couple of clicks from your computer or smartphone. Our online External Funds Transfer service makes it simple to retrieve money from another financial institution to Truliant with no added fees. And if you ever need to transfer funds from your Truliant account to another financial institution, our External Funds Transfer service can help get it there securely.

VISA® Debit and ATM Cards

We understand you need quick, easy access to your money. Our Tru2Go ATM and VISA debit cards give you flexibility without any monthly fees, and our VISA debit cards offer real time purchase alerts by email or text. Plus, all Truliant VISA debit cards can be uploaded into your smartphone’s mobile wallet. Access your money at more than two million ATM locations worldwide through these networks: Truliant, Plus, Culiance, Money Pass, Allpoint and Alliance One. Withdraw up to $500 per transaction and up to $1,030 per day at ATMs to give you the spending power you need when you're on the go.

Balance Backup

Your Truly Free Checking and Advantage accounts have Overdraft Protection1 built in, which means we’ll cover overdrafts on your account for reoccurring debit transactions, paper checks and ACH transactions using your checking account number. You can also opt-in to Balance Backup, which adds an extra layer of protection on everyday debit transactions and trips to the ATM.

How to Make a Budget

How to Make a Budget

Making a budget is crucial for helping you to save money and keeping an eye on your spending. However, oftentimes people find creating a budget to be tedious and difficult. Start the process of making a budget that works for you and your goals today.

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Invest in your future for a better tomorrow with Truliant's Individual Retirement Accounts.

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(1) Truliant pays basic and Balance Backup overdrafts at our sole discretion, which means we do not guarantee to authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Standard overdraft fees would apply. Members can avoid standard overdraft fees if using a savings account or line of credit (subject to credit approval) for overdraft protection.
(2) Must meet credit bureau and ChexSystems qualifications. Speak with a Truliant representative for details.
(3) Free if minimum daily balance of $2,500 is maintained. If your balance falls below the minimum daily balance, your account will be subject to a $7.50 fee for that month.