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Checking Accounts

Free checking with Early Pay, no minimum balance and no maintenance fees.

Checking balances, moving funds, paying bills

Compare features between our checking accounts to help you decide which one best aligns with your financial needs.

Truliant Checking Accounts

Truly Free Checking

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Advantage Checking

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Senior Advantage Checking

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Overview Truliant's Truly Free Checking2 is truly free. That means there is no minimum account balance and no maintenance fees. Grow your savings by earning dividends. You must maintain a $2,500 minimum balance, in a checking, savings or money market account.3 Designed for members aged 55 years and older, this checking account offers dividends without having to maintain a minimum balance.
Early Pay
Overdraft Protection 
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Discounted Checks
No Non-Sufficient Funds (NSF) Fees
No Maintenance Fees
With $2,500 minimum daily balance
Minimum Opening Deposit


Minimum Balance
VISA Debit Card or ATM Card or Both
Online Banking
Early Pay logo

Get Your Money Faster with Truliant's Early Pay

Don't wait until payday: Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits.4 You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members.

Truliant’s Truly Free Checking2 Makes it Easy to Manage Your Money.

Cash is great, but a secure checking account with overdraft protection is essential for taking control of your finances. Truliant Federal Credit Union's checking accounts are designed with you in mind. Our Truly Free Checking account is available with no maintenance fees and no minimum balance required!

That's not all. As a credit union, Truliant is wholly dedicated to the financial well-being of members like you, and all of our checking account options offer a wide range of features that provide exceptional convenience, value and security. Most of our account options offer built-in overdraft protection1 via our Balance Backup with the option to expand your overdraft protection however you want.

You'll be able to deposit checks, transfer funds, pay bills and monitor your spending at your convenience 24/7 via our Online Banking and the Tru2Go® mobile app. We also offer easy external funds transfers so you can move your money to and from other financial institutions with no additional fees.

In addition, we provide you with a VISA® debit card. You'll have access to your funds from any ATM, or you can make purchases directly from your checking account using your card. Plus, we're mobile wallet friendly, so you can make purchases from your phone, as well. Our VISA debit cards even offer real-time purchase alerts by email or text so you can keep track of your purchases and put a stop to any fraudulent activity.

If you're ready for a better solution for money management, choose a Truliant bank account with overdraft protection and direct deposit capabilities.

(1) Truliant pays Balance Backup 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.
(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 in either a Savings, Checking or Money Market account (excluding High Yield Savings). If your balance falls below the minimum daily balance, your account will be subject to a $7.50 fee for that month.
(4) Early Pay does not apply to certificates, loans, IRAs, IRA Money Market accounts or HSA Savings accounts. Truliant can only post funds and make them available to you up to two days early after we receive notification that an ACH deposit is on the way. We cannot guarantee early posting.