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Checking Comparison

SafeSpend

SafeSpend

  • Checkless banking - without overdraft fees
  • Perfect for those who want help managing money, including teens and students

Open Account
Reserve Plus

Reserve Plus


Open Account

SafeSpend

Reserve Plus

Monthly Service Fee

$7.50 or $0

Multiple ways to avoid the $7.50 fee each month with one of the following:
  • $500+ in total qualifying direct deposits 1
  • $1,500 average monthly account balance 
  • $5,000 average total monthly balance across all qualifying deposit accounts
$5.00 or $0

Multiple ways to avoid the $5.00 fee each month with one of the following:
  • $250 or more in total deposits
  • Primary account owner is 14 - 23 years old
$25.00 or $0

Multiple ways to avoid the $25.00 fee each month with one of the following:
  • $25,000 average total monthly balance across all qualifying deposit accounts
  • $50,000 average monthly portfolio balance with Truliant Financial Advisors

Minimum Opening Deposit

$25
$25
$500

Additional Checking Accounts

  • One Essentials Plus or Reserve Plus account allowed per member
  • Multiple Add-On checking accounts available with Essentials Plus
  • $0 monthly maintenance fee on Add-On checking accounts when the primary account holder has an Essentials Plus
  • Unlimited SafeSpend accounts allowed
  • One Reserve Plus or Essentials Plus account allowed per member
  • Multiple Add-On checking accounts available with Reserve Plus
  • $0 monthly maintenance fee on Add-On checking accounts when the primary account holder has a Reserve Plus

Minimum Age to Open

16 and older
  • Must be 18 or older to open online
  • Ages 16 - 17 must open at a branch with an adult co-owner
  • IDs required to open
14 and older
  • Must be 18 or older to open online
  • Ages 16 - 17 must open at a branch
  • Ages 14 - 15 must open at a branch with an adult co-owner
  • IDs required to open
16 and older
  • Must be 18 or older to open online
  • Ages 16 - 17 must open at a branch with an adult co-owner
  • IDs required to open

Account Details

Earns Interest

No
No

Early Pay - puts your paycheck in your account up to 2 days early

Checks

$10 for Standard Truliant checks
Can't write checks — but can deposit them
Free Standard Truliant checks

Overdraft Services

NSF Non-Sufficient Funds

Balance Backup and Balance Backup+

ATM Withdrawals

Truliant ATM Withdrawals

$0
$0
$0

Non-Truliant ATM Withdrawals

$02
$2
(age 23 and younger fee waived)
$02

80,000 Surcharge-Free Non-Truliant ATMs

Footnotes

  • 1 A qualifying direct deposit is a recurring electronic direct deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-person and transfers between your Truliant accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify.
  • 2 Truliant's foreign ATM fee is waived but fees from the owner of the ATM may apply (exceptions are for the 80,000 surcharge-free ATMs nationwide).

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