Keep your accounts and identity safe with these security tips.
Online Security and Avoiding Fraud
Never provide your confidential banking or personal information to anyone other than a reputable merchant you trust. If you do, you risk being held responsible for any potential losses. If something doesn't seem legitimate, it probably isn't!
Truliant will never contact you unsolicited and ask for the following:
Social Security Number
Member or Account Number
PIN Number
Password
Address
Phone Number
There are many types of fraud that are constantly evolving year after year. However, the majority usually have several things in common: a victim’s good nature, a victim’s lack of banking/financial knowledge, and/or a victim’s poor financial situation. Remember, strangers don't give away money. If it seems too good to be true... it probably is.
If you believe you have fallen victim to any type of fraud relating to your account(s), please call us at 800-822-0382 as soon as possible.
Phishing is email fraud designed to deceive individuals into disclosing confidential information. It can potentially result in the perpetrator gaining access to the victim’s accounts and stealing their identity.
Common Phishing Emails:
Requests to reset account information or provide sensitive details
Unexpected emails with attachments or requests for personal information
Messages regarding maintenance or account recovery
Truliant will never ask for personal or account details via an unsolicited email.
For assistance, reach out to Truliant’s Contact Center at 800-822-0382. Your security is our priority!
Impersonation Scams
Fraudsters will pose as trustworthy entities to deceive victims into revealing personal information or transferring money.
Common Impersonation Scams
1. Government Agency Scams: Scammers pose as officials and threaten legal action to pressure victims for financial details.
2. Technical Support Scams: Fraudsters impersonate tech support and claim your device is infected, often requesting payment for "help."
3. Romance Scams: Scammers create fake profiles on dating sites to establish emotional connections and request financial help.
Awareness and proactive steps can reduce the risk of victimizing impersonation scams.
Technical support scams involve fraudsters impersonating representatives from companies like Microsoft or Apple. They claim that victims' devices are compromised or face security threats to persuade them to grant remote access or pay for unnecessary services. These scams often include cold calls, unsolicited emails, or alarming web pop-ups designed to create a sense of urgency.
Cryptocurrency has revolutionized the financial world; however, this market has also attracted various scams that target investors.
Common Types of Cryptocurrency Scams
Ponzi schemes promise high returns with little risk but collapse when new investors dwindle.
Phishing scams involve fraudsters posing as reputable entities to steal sensitive information, often through fake websites or deceptive emails from apparent cryptocurrency exchanges.
Fake Initial Coin Offerings (ICOs) can lure investors, but scammers may create bogus ICOs to abscond with funds.
In the dynamic landscape of digital finance, a knowledgeable and proactive approach is essential to safeguarding assets effectively.
Lottery grant scams frequently begin with surprise phone calls, emails, or messages promising unearned payouts. Scammers often pose as representatives from trusted lottery organizations, government agencies, or charitable groups.
Vital Signs of Lottery Scams:
1. Surprise Notifications: Be cautious of unexpected messages claiming you've won, often featuring counterfeit logos and documents.
2. Urgency Pressure: Scammers may rush you to claim your "winnings," leading to rushed and unwise choices.
3. Personal Information Requests: Exercise vigilance if asked for sensitive information such as your name, address, Social Security number, or banking details, as this poses risks of identity theft and financial harm.
Staying informed and vigilant is essential to protect yourself from these deceptive tactics!
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.
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:
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 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.
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
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.
