Better Checking?
Yes, It's True.

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TruStone Financial Credit Union's checking account options empower your daily finances.

Take advantage of checking account options that are loaded with lots of extras to help you get you through your day in Minnesota or Wisconsin.

Digital Banking

Digital Banking

Manage your money on the go with the TruStone mobile banking app, Mobile Deposit and more. 

Digital Banking 


 Debit Card Rewards

Debit Card Rewards

Earn rewards on everyday spending to redeem for travel, gift cards or cash back.



Free ATM Withdrawals

Free ATM Withdrawals

Access our network of more than 65,000 surcharge free ATMs.

ATM Locations 


Get Paid Up to 2 Days Early*

Get Paid Up to 2 Days Early*

With a direct deposit into your TruStone Checking account, you can with TruPayday.

Learn More 


Ready for a better checking account?

With so many checking account options, there's no wrong choice.

  TruRate Checking Account1,2 Premium Checking Account1,3 Value Checking Account MoneyWise Checking Account
Overview Those who are comfortable maintaining a larger minimum daily balance can earn the highest dividend available. Great option for those who maintain a healthy monthly balance and enjoy higher dividends and perks. Those looking for a basic account without the worry of maintaining balances or paying monthly service fees. Great option for members ages 13-17 looking to start a checking account.
Requirements Have a Share Savings account

Parent or Guardian 18+ must open and be on the account. 
Minimum Opening Balance $2,000 $300 $25 $5
Monthly fee $20, which is waived if you maintain a minimum
daily balance of $2,000
$5, which is waived if you maintain a minimum balance of $300 None None
Dividend Rate 3.93% (balances up to $20,000) and 0.10% (balances $20,000.01+) 0.10% 0.00% 0.00%
Annual Percentage Yields (APY) 4.00% (balances up to $20,000) and 0.10% APY (balances $20,000.01+) 0.10% 0.00% 0.00%
IDProtect®4 None None None
Free Visa® Debit Card
Earn Rewards With Debit Card Earn 1 point per $5 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Earn 1 point per $3 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Earn 1 point per $5 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Earn 1 point per $5 spent on purchases.
Redeem for merchandise, travel, gift cards, or cash back.
Surcharge-Free ATMs (5 Free Per Month)
Free Checks
Two boxes per year

Two boxes per year
None None
Digital Banking with Bill Pay
Mobile Deposit Restricted/Limited
Overdraft Options5 None

*Early access to funds is based on the timing in which we receive and process the direct deposit.  We generally make these funds available on the day the payment file is received, which may be up to two days before the scheduled payment due date.


Balance computation method — Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on non-cash deposits — Dividends will begin to accrue on the business day you deposit non-cash items (e.g. checks) to your account. Nature of dividends — Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. Compounding and frequency - Dividends will be compounded monthly and credited to your account on every monthly statement or at the end of the calendar quarter. Effects of account closing — If you close your account before dividends are paid, you will receive the accrued dividends. These are prospective dividend rates and anticipated Annual Percentage Yields (APY) for the current dividend period and may change at any time without limitations as determined by the TruStone Board of Directors. To confirm the current rates, call 763.591.4949 or 800.343.8328

1For these account types, the dividend period is monthly; for example, the first dividend period of the calendar year is January 1 through January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period: for example, January 31.

TruRate: APY effective July 1, 2024. Rates subject to change including after account opening. Fees may reduce earnings. APY Tiers: Balances up to $20,000 earn 4.00% (when requirements are met) and the balance portion over $20,000 earns 0.10% APY. To earn the highest yield, member must maintain active TruStone Visa credit and debit cards with 12 combined transactions per month and enroll in eStatements. If any of the requirements are not met in a given month, the APY drops to 0.10% APY on all balances. A $20 monthly fee will be assessed if the daily balance falls below $2,000. For complete details of this checking account, speak with a TruStone Financial banker. Limit one account per household. TruRate Checking is not available for trust or business accounts.

3 Premium Checking: APY effective July 1, 2024.  Rates subject to change including after account opening. Fees may reduce earnings. 

IDProtect benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members or schools and their employees/students.  Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

5 Overdraft Protection is free to use and includes savings and line of credit transfers. Overdraft Privilege is $30 per overdraft.  Standard Coverage includes ACH, checks, recurring debit card, online bill pay, teller window and internet/phone transactions.  Extended Coverage (Must opt in) includes ATM and one-time debit card transactions, in addition to transactions covered under Standard Coverage. There is a limit of six overdraft fees we will charge you for overdrawing your account per day.
The amount of any overdraft including fees you owe us shall be due and payable immediately. We may elect not to pay items under Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every 30-day period for a minimum of 24 hours, if you default on any loan or other obligation to TruStone Financial or if your account is subject to any legal or administrative levy. The credit union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause. You may opt out of Overdraft Protection and Overdraft Privilege at any time by calling us at 800.862.1998, or stopping by a branch.

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