Our most popular account
Essentials Plus Banking
Bank smarter while saving money with a checking account that bundles great features with valuable perks.
Essentials Plus Perks^ - $90 value per month
- Cell phone protection
- Roadside assistance
- Buyer protection & extended warranties
- Telehealth for your family
- Save on healthcare (prescriptions, vision and dental discounts)
- Travel & leisure discounts
- Credit & Identity Monitoring
- Shopping perks (receive cash back or use for purchases)
- Shell station fuel perks
$7.50 or $0 Monthly Service Fee
There are multiple ways to avoid the $7.50 fee each month:
- Deposit $500 or more in total qualifying direct deposits1 OR
- Maintain an average monthly account balance of $1,500 OR
- Average $5,000 monthly balances across all qualifying deposit accounts
Explore Our Checking Products
Compare our different checking products to ensure you're making the best decision.
What do all of our Accounts have?
- Early Pay - puts your paycheck in your account up to 2 days early
- Access to 80,000+ Surcharge-Free ATMs
- Easily avoid the monthly service fee
Checking FAQs
How do I open a checking account?
You can open a Banking account online or in person at a Truliant branch.
You must be 18 or older to apply online.
No matter how you apply, you’ll need:
You must be 18 or older to apply online.
No matter how you apply, you’ll need:
- Your Social Security Number
- Valid government-issued ID (driver's license, state ID, passport, Consular ID)
- Current residential address
- $25 opening deposit ($500 for Reserve Plus)
How do I open a joint checking account?
You can apply for a joint bank account online or in a branch. You will need both parties information. You need the exact information required to open an individual banking account, but you’ll need it for both applicants.
Can I open multiple checking accounts?
Yes. While you may only have one Essentials Plus Banking account or Reserve Plus Banking account, you can open additional Add-On Banking accounts. Add-On Banking accounts offer many core features of a traditional checking account and are free as long your Essentials Plus or Reserve Plus account remains open; otherwise, a $10 monthly maintenance fee applies.
How do I access my checking accounts online?
Enroll in Digital Banking from your computer or mobile device. Download the Truliant app from the Apple App Store or Google Play to manage your finances effortlessly.
How do I set up Direct Deposit?
Direct deposit is a free, convenient, and reliable way to receive payment from your employer and organizations that use ACH to transfer funds. Provide your account number (not member number) and routing number (253177832) to your employer or sender. Use this direct deposit form to help. Provide the information on the completed form to the company or agency that pays you. Your payor may ask you to complete their form to process your request.
How do I order checks online?
Check orders can be placed through Online Banking and the Truliant app. To order checks through Online Banking, select 'Order Checks' under 'Additional Services.' To place an order through our app, select 'More' and locate 'Order Checks' under 'Account Services.'
How do I find my account and routing numbers?
To find your checking account number, log in to Online Banking or the app. Select your banking account then select 'Account Details'. Your account number is the second set of numbers listed.
Truliant's routing number can be found in two places:
Truliant's routing number can be found in two places:
- It’s located at the bottom left corner of every page on our website, right under our logo. It’s labeled as the Routing Number 253177832.
- This routing number is printed on the bottom of your paper checks. It’s the series of nine digits on the left side. The numbers on the bottom right of a check indicate the check number itself, not the routing number.
Are Truliant checking accounts NCUA-insured?
Yes, your Truliant checking account is NCUA-insured up to $250,000.
The NCUA protects the safety and soundness of the credit union system by identifying, monitoring, and reducing risks to the National Credit Union Share Insurance Fund. Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
The NCUA protects the safety and soundness of the credit union system by identifying, monitoring, and reducing risks to the National Credit Union Share Insurance Fund. Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
How do I access/redeem my perks?
Effective August 1, 2025, there will be two ways to access and redeem your benefits:
- Log in to Online Banking, select 'Checking Perks' under 'Additional Services'
- Log in to the Truliant app, select 'More' then 'Checking Perks' at the top of the screen
*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.
**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).
^See here for complete details and important information.
^^Receive one free overdraft per calendar year. Normal fee of $28 per overdraft applies for all other overdrafts.
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 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.
**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).
^See here for complete details and important information.
^^Receive one free overdraft per calendar year. Normal fee of $28 per overdraft applies for all other overdrafts.
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 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.