Brighter banking means earning more and a chance to win $2,024.

Participating branches:

•  Harrisburg - 4347 School House Commons, Harrisburg, NC 28075
•  Mallard Creek - 3024-B Prosperity Church Rd., Charlotte, NC 28269
•  Mint Hill - 7114 Brighton Park Dr., Suite 300, Mint Hill, NC 28227
•  Steele Creek - 14154 Steele Creek Rd., Suite 100, Charlotte, NC 28273
•  Waverly - 7107 Waverly Walk Avenue, Suite A-1, Charlotte, NC 28277
•  South End - 2400 South Boulevard, Unit 102, Charlotte, NC 28203

Earn more:

Already a member? If you have an active Truliant checking account, simply open a High Yield Rewards Savings account and earn 4.75% APY on up to $25,000 when you meet monthly checking requirements.

New member, or don’t have a Truliant checking account? Open a checking account, plus a High Yield Rewards Savings account, and earn 4.75% APY on up to $25,000 when you meet monthly checking requirements.

Win more:

Stop by your participating Truliant branch, mention or show the mailer, and you’ll be entered to win $2,024! (One entry per mailer.)

Open a High Yield Rewards Savings account with an active checking account and you’ll get four more entries.

That’s a total of five chances to win $2,024! (Maximum five entries per account.)

High Yield Rewards Savings Account Qualifications:

Federally insured by NCUA.

1. APY = Annual Percentage Yield. Rates are subject to change monthly.
2. To receive 4.75% APY on your High Yield Rewards Savings Account, your checking account must meet monthly minimums of $1,500 in deposits and 10 withdrawals. The primary owner of the High Yield Rewards Savings account must be the owner of the checking account (joint owners of checking accounts are not included). External deposits include: ACH (Direct Deposit), mobile & ATM deposits, checks deposited from a non-Truliant account, in-coming wire transfers. Withdrawals include: Debit card purchases (POS), checks, ATM, ACH, out-going wire transfers, withdrawal from a Truliant account to make a payment on a Truliant loan. If monthly average balance falls below $1,000 on your High Yield Rewards Savings Account, you will be charged a $10 fee for the month. $1,000 minimum deposit required to open a High Yield Rewards Savings Account.

Official Contest Rules

NO PURCHASE NECESSARY TO ENTER OR WIN. Odds of winning will depend on the number of eligible entries received.

ALL FORMS MUST BE FILLED OUT COMPLETELY AND TRUTHFULLY. FAILURE TO COMPLETE THE APPLICATION AND PROVIDE TRUTHFUL AND PERTINENT INFORMATION MAY RESULT IN DISQUALIFICATION FROM THE CONTEST. DISQUALIFICATION IS IN THE SOLE DISCRETION OF TRULIANT FEDERAL CREDIT UNION.

Truliant Federal Credit Union (“Truliant”) will conduct this enter to win contest substantially as described in these Official Rules (“Rules”). Participation in the Contest constitutes entrant's full and unconditional agreement to, and acceptance of, these Official Rules. This Contest may be temporarily postponed or discontinued at any time without prior notice. The Contest is void where prohibited and is subject to all federal, state and local laws and regulations.

1. Eligibility:  Entrants must be legal US residents, at least 18 years old or above, as determined by Truliant, and work or reside in a qualifying North Carolina county, as defined by Truliant’s eligibility for membership. Please visit https://www.truliantfcu.org/Become-a-Member for more information. Truliant employees, vendors and their advertising agencies, and members of the immediate families of such persons are not eligible to participate and win. The term “immediate family” includes spouses, siblings, parents, children, grandparents and grandchildren, and any other person residing at the same household whether or not related. Winning a prize is contingent upon fulfilling all requirements set forth herein.

2. Contest Period:  The Contest begins on January 31. Winners will be announced after April 30. Truliant reserves the right to shorten or extend the Contest Period.

3. Contest Entry: To enter the Contest, participants should visit one of Truliant’s participating Charlotte branches – Harrisburg, Mallard Creek, Mint Hill, Steele Creek, Waverly and South End. To receive one entry, the member must come into the branch and mention the postcard/show the postcard they received. To receive additional entries they must open a High Yield Rewards Savings account. Branch staff will keep track of the entry/entries and note the member’s name, phone number, and email address.

Participants may enter only once, but may get additional entries by opening a High Yield Rewards Savings Account. A maximum of five entries per account.

No purchase necessary to enter or win. To enter by mail, legibly print or type your full name, mailing address and daytime phone number on a 3”x5” index card and mail it in a stamped #10 envelope to: Charlotte $2,024 Contest, ATTN: Truliant Marketing, 3200 Truliant Way, Winston Salem, NC 27103. Entry must be received on or before April 30, 2024.  
One winner will be randomly chosen per Charlotte Branch location after April 30, 2024 from all eligible entries received. All entries become the property of Truliant and will not be returned. 
Incomplete entries will be disqualified. Truliant can disqualify any entry if fraud is suspected.

4. Prize:  One winner per branch location will receive $2,024 deposited to the member’s desired Truliant account.  

5. Winner Notification: Winner will be notified by phone or email. Winners must have valid contact information (phone or email) where they can be notified, or Truliant reserves the right to award the prize to another winner. Winner will be notified no more than 30 days after the conclusion of the contest.

6. Prize Acceptance/Restrictions: Winner is subject to verification by Truliant of the winner’s name, age, address, phone number and Social Security number. In order to claim his or her prize, winner must appear in person at their branch location. Winner will be required to sign an Affidavit of Eligibility/Release of Liability and Publicity. No entries from individuals under the age of 18 will be accepted. If a winner is disqualified, Truliant reserves the right to determine an alternate winner or to not award a prize at all. Prizes cannot be redeemed for cash or substituted for any other items by any winner. Prizes are non-assignable and non-transferrable. Winner must claim prize within ten days of notification or prize will be awarded to an alternate winner. Truliant reserves the right to substitute a comparable prize of like or greater value, including cash, for any prize, for any reason.  All costs and expenses except as explicitly set forth herein are the sole responsibility of the winners.  

7. Publicity Release:  By participating in the Contest, each entrant acknowledges that his/her entry in the Contest constitutes that entrant’s consent to use, publish, reproduce and for all purposes, including publicity, promotion and advertising, in any media (including without limitation, the Internet, television or offline promotions), each winner’s name, voice, likeness, and any portion thereof, each extending throughout the universe and in perpetuity without further compensation, credit or right of review or approval, except where prohibited by law. 

8. Telephone and Delivery Disclaimer:  Truliant disclaims all liability for the inability of a participant to complete or continue a telephone call due to equipment malfunction, busy lines, inadvertent disconnections, acts beyond Sponsor’s control, or otherwise.  Truliant disclaims all liability for any delays, misdelivery, loss or failure in the delivery of any item sent by mail, courier, express, electronic transmission, or other delivery method.  Truliant is not responsible for mechanical, technical, computer, hardware or software errors, malfunctions, or failures of any kind, including failed, incomplete, garbled, or delayed transmission of entries, traffic congestion on telephone lines, the Internet or at any website or lost or unavailable network connections, which may limit an entrant’s ability to participate in the Contest. Truliant Federal Credit Union will not be held liable to any person for any personal injury, property damage or other loss, damage, injury or expense resulting from a winner’s acceptance or use of a prize.

9. Taxes: The value of any prize awarded to a winner must be reported for tax purposes as required by law.  All taxes, including federal, state, and local taxes, are the sole responsibility of the winner. Winner must provide Sponsor with valid identification, and a valid taxpayer identification number or Social Security number for total prizes valued at $600.00 or more, before any prize will be awarded.

10. Conditions:  Sponsor reserves the right, in its sole discretion, to cancel, terminate, modify or suspend this Contest or any portion hereof, or to disqualify any entrant who attempts to tamper with this Contest in any way or use fraudulent means to participate in and/or win the Contest. Other than the prizes received by the winner, no entrant shall be entitled to receive any wages, benefits, fees or other compensation whatsoever as a result of participating in the Contest.  Sponsor shall have the sole discretion to administer the Contest and interpret and apply the Official Rules. 

11. Indemnification/Hold Harmless:  By participating, entrants agree: (a) to the Official Rules and decisions of Truliant, which shall be final in all respects; (b) to release, discharge, and hold harmless Truliant Federal Credit Union and their respective affiliates, parents, subsidiaries, advertising and promotion agencies, officers, directors, employees, representatives, and agents (the “Released Parties”) from all liability, injuries, losses or damages of any kind to persons, including but not limited to death or property damage resulting in whole or in part, directly or indirectly, from the acceptance, possession, misuse or use of a prize, or from participation in and/or entry into the Contest or any Contest-related activity and for acceptance, delivery, or use of any prize; (c) that the foregoing parties have neither made nor are in any manner responsible or liable for any warranty, representation or guaranty, expressed or implied, in fact or in law, relating to any prize. 

In consideration for his or her participation in the Contest, each entrant agrees to hold harmless and indemnify the Released Parties from any and all claims, demands and/or causes of action of any nature or kind whatsoever, whether presently known or unknown, foreseen or unforeseen, that arise out of the entrant’s participation in the Contest, including attorneys’ fees.

12. Limitation of Liability:  The Released Parties are not responsible or liable for any incorrect or inaccurate entry information or other errors in the printing, offering or administration of the Contest or in the announcement of the prize(s) and assume no responsibility for (i) any error, omission, interruption, defect or delay in operation or transmission at any website, or wireless calling service, interrupted or unavailable network, server or other conditions, (ii) failure of any entry to be received by Sponsor due to technical problems, telephone service problems, human error, or wireless calling service, (iii) communication line, hardware and/or software failures, malfunction of phones (including wireless phones/handsets), phone lines, other communications malfunctions, unavailable network connections, cellular equipment towers, telephone systems or wireless service, (iv) damage to any computer (software or hardware) resulting from participation in the Contest, or damage to mobile phone or other PDA device, (v) theft or destruction of, tampering with, unauthorized access to, or alteration of entries and/or entry information, or (vi) entries which are late, lost, stolen, damaged, illegible, and/or unintelligible (or any combination thereof).  Any expenses incurred by the entrant during the application process, including but not limited to, postage are the sole responsibility of each entrant and the Sponsor will not issue reimbursement for any expenses.

UNDER NO CIRCUMSTANCES SHALL THE RELEASED PARTIES BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, ATTORNEYS’ FEES, OR ANY OTHER DAMAGES.

13. Choice of Law/Forum:  All entrants agree, by participation in the Contest, to submit to the personal jurisdiction of the courts of North Carolina.  North Carolina law shall govern this Contest, without regard North Carolina’s choice of law rules.  The courts of North Carolina shall be the exclusive forum for any dispute regarding any Rule or activity associated with the Contest.

14. Compliance with Law: The conduct of the Contest is governed by the applicable laws of the United States of America, which take precedence over any rule to the contrary herein.  Sponsor shall follow the applicable laws for conducting Contest.