WINSTON-SALEM, N.C. (October 7, 2020) — Truliant Federal Credit Union has re-launched its flagship Classic VISA® credit card with members in mind. Designed to be transparent, in more ways than one, the card gives cardholders more control of their spending.
Built with transparency and simplicity in mind, Truliant’s new Transparent Card is completely fee free.
In addition to a low rate, Truliant has removed all fees associated with the Classic VISA®, including late fees. Additionally, the card’s innovative design features a transparent center to make the benefits absolutely clear.
“There are so many cards on the market, many offering bonus points and bonus cash,” said Chris Murray, senior vice president, member experience and operations. “But the fees and the rate are typically very high. We listened to our members and wanted to make the credit card experience easier, more convenient and less complex. Our Transparent Card sends the message that you can find this with Truliant.”
The Transparent Card offers a familiar experience for Truliant cardholders: a credit card with a low variable rate APR and no annual fee, no late, over-the-limit, returned payment, balance transfer or cash advance fees.
“The best credit cards are built on transparency. This eye-catching card provides real savings and benefits for every day purchases,” said Murray. “We’re delivering value by giving consumers the features they prefer in a card. Choosing the right one has never been easier.”
Truliant’s most popular card now features a transparent center circle shadowed by Truliant’s yellow sunrays. Until year end, it will offer an introductory rate. Benefits also include account alerts, zero liability, fraud protection, credit limits up to $35,000 and same-day approvals.
“This card delivers value where it matters and differentiates us from large financial institutions. We believe it’ll be attractive to deal seekers this fall and during the holidays, as consumers look for ways to stretch their buying power throughout the season,” Murray said.
The Transparent Card is easily accessed and managed within the Truliant app, and Online Banking, where cardholders can view transactions, account history, pending transactions, make a payment and more. It can be added to mobile wallets for digital, contactless-use.
About Truliant Federal Credit Union
Truliant is a mission-driven, not-for-profit financial institution that promises to always have its member-owners’ best interest at heart. It improves lives by providing financial guidance and affordable financial services. Truliant was chartered in 1952 and now serves 261,000+ members. Truliant has more than 30 Member Financial Centers in North Carolina, South Carolina and Virginia.
FOR MORE INFORMATION
Contact: Heath Combs
[email protected]
(o) 336.293.2054 (c) 336.442.5736
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.
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.
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.
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)
- Shell station fuel perks
- Security and Fraud Protection
- Credit and identity monitoring
- View details.
- 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
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:
- Debit card transactions
- ATM transactions
For complete details visit our
overdraft protection page.
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.
Acceptable forms of identification:
- Driver’s license (state or U.S. territory issued)
- Driver’s license learner permit (state or U.S. territory issued)
- ID card (state or U.S. territory issued)
- Passport (U.S. or foreign government-issued)
- Armed Forces ID (U.S. government-issued)
- Permanent resident card (U.S. government-issued)
- Employment authorization card (U.S. government-issued)
- VISA (U.S. government-issued)
- Matricula Consular ID (Mexican consulate issued)
All identification must be valid, have a full-face photo, and not be expired.
Additional documents may be requested to verify identity and residency.
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.
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)
- Shell station fuel perks
- Security and Fraud Protection
- Credit and identity monitoring
- View details.
- 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
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.
