$5.00 or $0 Monthly Service Fee
Two ways to avoid the $5.00 monthly fee:
- $250 or more in total deposits each month
- Primary account owner is 14-23 years old

You may open multiple SafeSpend Banking accounts. However, each SafeSpend account must meet minimum requirements to avoid the $5 monthly service fee.
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
SafeSpend FAQs
How do I open a SafeSpend account?
You can open a SafeSpend account online or in person at a Truliant branch. Open as many as needed.
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
Can I open multiple SafeSpend accounts?
Yes. You may open additional SafeSpend Banking accounts. However, each SafeSpend account must meet minimum requirements to avoid the $5 monthly service fee.
How do I open a joint SafeSpend account?
You can apply for a joint bank account online or in a branch. You will need both party’s information. You need the exact information required to open an individual banking account, but you’ll need it for both applicants.
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 access my SafeSpend account 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 find my account and routing numbers?
To find your checking account number, log in to Online Banking or the app and select your account.
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.
*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).
**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).