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Fees and Service Charges

Learn more about Truliant's fees and service charges.
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Fees and Service Charges


We are proud to continue to offer less, and lower fees than many other financial institutions. We have maintained our current fee structure for more than a decade. As the cost of doing business has risen, we have reevaluate our fees. Effective July 1, 2021 the following fees will increase:

  • Overdraft Protection (Balance Backup): $33.00/item or debit1
  • Non-Sufficient Funds Fee: $33.00/item or debit2
  • Deposit Account Transfer Fee: $3.00
  • Personal Line of Credit Transfer Fee: $3.00
  • Online Loan Payment Service Fee: $7.00 (Guest); $0.00 (Online Banking)
  • Foreign ATM: $2.00


Below are our current fees.

All Accounts:

  • Account Research: $25.00/hour3
  • Deposit item returned unpaid: $10.00/item
  • Electronic Title Release Fee: $10.00
  • Escheatment Fee: $40.00
  • Levy/Garnishment Processing: $65.00/order
  • Loan payment returned unpaid: $29.00/item
  • Non-participation fee (see acct. terms): $10.00/month
  • Official check, payable to third party : $5.00/check
  • Partial share fee (see acct. terms): $0-$4.99
  • Service Center transactions: $1.00/transaction
  • Statement copies (duplicates):  $2.00/statement
  • Title Maintenance Fee: $25.00
  • Transfer/withdrawal by phone (excluding 24-hour account access):  $2.00/call
  • Wire transfer (incoming): $10.00 (Domestic/International)
  • Wire transfer (outgoing): $25.00 (Domestic) $35.00 (International)
Savings Accounts:
  • Excess withdrawals (more than 3 over the counter per month): $10.00/withdrawal
All Accounts on Which Checks Can be Written:
  • Certified check: $2.00/check
  • Stop payment fee: $25.00/item
  • Transfer fee (from any available funds to cover non-sufficient funds check or ACH draft): $2.00/transfer
  • Truly Free Checking (Check printing charges): Prices may vary
Monthly Service Fees:
  • Advantage Checking:  $7.504
Overdraft Fees:
  • Overdrafts caused by any means including check, ATM, electronic or in person (as permitted by applicable law):  $29.00/item or debit
Automated Teller Machine (ATM)/Debit Card Service:
  • Annual Fee:  No charge
  • Additional Cards (up to 3):  No charge
  • Excessive Card Replacement:  $15.00/card
  • Truliant Owned ATMs:  No charge
  • VISA Debit Transaction:  No charge
  • Non-Truliant Owned ATMs Withdrawal, POS Withdrawal, Transfer or Inquiry:  $1.00
Other Services/Fees:
  • FedEx Fee: $25.00
View our latest Truth in Savings Agreement.

(1) Up to 3 charged per banking day for a max of $99.
(2) Waived for debit card transactions less than $3.
(3) One hour minimum. Additional charges may apply.
(4) Waived if minimum balance maintained.

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