A Truliant debit card gives you convenient access to the funds in your account.
A debit card is available with several different accounts including Checking, Money Market and Savings accounts.
Your debit card comes with the added security of an EMV chip. EMV chips are the small, square computer chips that appear on debit, credit and prepaid cards to help safeguard them against fraud. It also offers the convenience of being contactless – simply tap or hold your card on the terminal to pay for purchases.
We have a list of convenient features and the Truliant network of affiliates provides an added benefit. Visit our FAQs on debit cards.
Features:
Contactless "tap to pay"
Can be added to your mobile wallet as a form of payment (Apple, Google and Samsung Pay)
Low international exchange rates, with a fee of 1% of the transaction amount
Purchase limits up to $5,000 total per day
Card replacement available in all branches
No maintenance fee
Access to over 300,000 ATM locations worldwide
Can be used at any business that accepts Visa
ATM withdrawal limit up to $1,030 per day (no frequency limit)
Shop confidently knowing Truliant has 24-hour fraud protection processes to help guard against card fraud when transactions are presented for authorization
You are automatically enrolled, at no cost, for Visa Purchase Alerts1. You may receive a text or call from Visa if they suspect suspicious activity on your card.
Truliant debit cards work with these ATM networks:
Truliant FCU
CULIANCE
Visa
Plus
Interlink
Allpoint
Alliance One
Debit Card FAQs
How do I order a new debit card?
A new debit card can be printed at your nearest branch location or call 800-822-0382 to order a new debit or ATM card.
When will I receive my card?
Your debit card can be printed instantly at any branch location. If you choose postal mail, it could take up to 10 business days to receive your Debit Card. Arrival time may take longer due to instances such as weather or massive card mailings.
If you have not received your card after this timeframe, please contact a Truliant representative at 800-822-0382 for assistance.
How do I freeze and unfreeze my debit card?
To deactivate or temporarily turn off [freeze] your debit card, or to reactivate [unfreeze] your debit card, please call us at 800-822-0382.
Can I select my own PIN for my debit card?
If you are an established cardholder and either don’t know, have forgotten your PIN or need to change your PIN for your debit card please call 800-822-0382. To expedite the process please be sure to have your debit card available.
What is the difference between a Credit Card and a Debit Card?
A debit card draws from the money you have available in your checking account. When you use your debit card, funds are immediately withdrawn from your checking account.
When you use a credit card, you are borrowing money from a finite line of credit offered by Truliant, depending on your credit limit. Each month you will receive a statement specifying your purchase amounts and details, as well as the minimum payment due. If you do not pay off your credit card in full each month you will be charged interest on the money you owe.
What should I do when my card is being denied at a merchant?
There are several reasons that a card could be denied. For security reasons, the specifics of your situation must be dealt with in confidence.
During business hours, please call a member service representative at 800-822-0382 or visit a branch location to go over your transaction history.
Can I use my debit card while traveling internationally?
Yes, your debit card and credit card are accepted internationally! If your ATM card is linked to a checking account, it will also be accepted internationally. Travel notifications are no longer needed.
Can a loan payment be made with a debit card?
Yes, if making a payment through the Guest site (in addition to your financial institution’s debit card you can also use reloadable, unemployment and employer-issued debit cards). You can also transfer or schedule transfers of the funds to your loan.
No, if making a payment through the Registered site via Online or Mobile Banking.
How can I protect myself against debit card fraud?
Be aware of where you are using your card.
Make sure when using a free-standing ATM that you do not see anything strange about the ATM card swipe area
If you are using your card online, be familiar and aware of the security standards on the website
Register with Visa Secure® for added protection when using the card number remotely*
*Members do not have to do anything prior to using Visa Secure at a merchant, but do need to register if the merchant participates in the program.
How much does it cost to replace my debit card?
Card replacement is free, up to 3 cards. All current fees are listed on our Fees and Service Charges page.
When should I choose "credit" when using my debit / check card for a purchase?
It is safer to choose credit transactions for any debit card transaction unless you need cash back. Credit is secured by the VISA network, which backs each transaction in case of fraud or an incorrect amount is posted. Register with Visa Secure® for added protection when using the card number remotely.*
However, based on the merchant terminal setting, members trying to bypass a required pin at a terminal may decline the transaction.
Please visit our Fraud Prevention Center page to view our best practices for banking securely, and to help you learn how to safeguard your personal information.
*Members do not have to do anything prior to using Visa Secure at a merchant, but do need to register if the merchant participates in the program.
Do you offer overdraft protection?
Yes, our Balance Backup and Balance Backup+ coverages offer members emergency overdraft protection2, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Checks and other transactions made using your checking account number.
Automatic recurring drafts made using your debit card number.
If we cover your overdraft, you can avoid the inconvenience of having your card declined. We offer the option of linking your checking account to a savings account or a line of credit to cover any overdraft costs.
How do I sign up for the extended coverage of Balance Backup+?
Anyone who qualifies for Truliant's Essentials Plus, Reserve Plus or Add-On banking accounts or who has qualified for a Preferred Line of Credit is eligible for our Balance Backup+ Overdraft Protection
(1) Actual time to receive Alerts powered by Visa® dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for alert service may vary by issuer. Additional restrictions apply. Visa does not currently charge for use of the alert service; however, some cell phone carriers may charge fees to send or receive a text message. As a result, message and/or data rates may apply. Please check with your mobile carrier for more information on any applicable fees.
(2) Truliant pays basic 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 service charges would apply.
Enjoy a full suite of everyday benefits designed to protect your wallet, your time, and your peace of mind — all part of this powerful package.
Unexpected perks — A $90 per month value if purchased separately:
Lifestyle Protection and Savings
Cell phone protection coverage
24/7 roadside assistance
Buyer protection and extended warranties
Telehealth for your family
Save on healthcare (prescription, vision and dental discounts)
Travel and leisure discounts
Shopping perks (receive cash back or use for purchases)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
Free standard Truliant checks
Free official checks
Free incoming wire transfers
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Reserve Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$25.00
Waived with any of the following:
1) Average Monthly Deposit Relationship ≥ $25,000, or
2) Average Monthly Truliant Financial Advisors Investment ≥ $50,000
Order checks
Standard Truliant Checks are free
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International (incoming wires are free)
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for SafeSpend Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$5.00
Waived with any of the following:
1) Monthly Total Deposits ≥ $250, or
2) 23 or younger
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 (Domestic / International)
Wire transfer (outgoing)
$25.00 (Domestic) $35.00 (International)
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
Our Balance Backup coverage offers members emergency overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.
Truliant will strive to pay the following types of transactions when you do not have funds available.
Checks and other transactions made using your checking account number
Automatic recurring drafts made using your debit card number
We also offer Balance Backup+ for the following types of transactions when insufficient funds exist in your account:
Receive one free overdraft per calendar year by contacting us or visiting a branch. Normal fee of $28 per overdraft applies for all other overdrafts.
Access to more than 80,000 surcharge-free ATMs. A surcharge-free ATM is one you can use without paying an extra fee charged by the ATM owner. Truliant partners with a nationwide network of ATMs that let you withdraw cash, check balances, and more—without those added fees.
Even if the ATM isn’t Truliant-branded, it can still be surcharge-free if it’s part of our network.
Use the ATM locator to find the most convenient locations near you.
Non-Sufficient Funds occur when there isn’t enough money in your account to complete a payment. If this happens, we’ll simply reject the payment — and we won’t charge you a fee.
Truliant's Early Pay program lets you access your money up to two days before your payday on Automated Clearing House (ACH) direct deposits. You don't need to sign up or opt-in: Early Pay is a free and automatic service we provide to our members. See more details here.
Acceptable forms of identification:
Driver’s license (state or U.S. territory issued)
Driver’s license learner permit (state or U.S. territory issued)
Or call the Benefits Service Center at 866-298-3686, Mon – Fri, 8:30 a.m. – 5:00 p.m. ET for assistance with registration and activation.
Money Access and Everyday Banking Perks:
One-time overdraft fee waiver (per calendar year)
Early Pay — Get your paycheck up to 2 days early
Low-cost standard Truliant checks — Only $10 per order
Surcharge-free ATMs — Access to 80,000 ATMs worldwide that waive their fees for our members
Free ATM withdrawals, even outside Truliant
We are proud to offer fewer fees at a lower cost compared to many other financial institutions. Below are our current fees for Essentials Plus Banking:
General Charges
Fee Type
Fee Amount
Monthly maintenance
$7.50
Waived with any of the following:
1) Monthly Direct Deposit ≥ $500, or
2) Average Monthly Checking Balance ≥ $1,500, or
3) Average Monthly Deposit Relationship ≥ $5,000
Order checks
Standard Truliant Checks = $10.00
Official check, payable to third party
$5.00/check
Wire transfer (incoming)
$10.00 Domestic or International
Wire transfer (outgoing)
$25.00 Domestic, $35.00 International
Overdraft Charges
Fee Type
Fee Amount
Balance Backup* and Balance Backup+** overdraft protection
$28.00/transaction (limit of six service charges per day) - 1 fee waiver per calendar year
Deposit account overdraft protection transfer service charge
$3.00 (limit once daily)
Line of credit overdraft protection transfer service charge
$3.00 (limit once daily)
*Balance Backup service charge occurs anytime we cover overdrafts caused by check, recurring transaction, or other transaction made using checking account or debit card number.
**Balance Backup+ service charge occurs anytime we cover overdrafts caused by debit card or ATM transactions.
For a comprehensive listing of account-related fees, special service fees, and additional details, log in to online or mobile banking to view our Deposit Account Agreement or Business Deposit Account Agreement.
