How does $150 sound?

¹ Offer valid 1/1/25-5/31/25. Only one account per membership is eligible and member must not have a current or prior checking account with TruStone. Allow up to 90 days from account opening for cash back deposit. Recipient is responsible for applicable taxes. Earn cash back for the following actions within 60 days of account opening: 1) $100 cash back for direct deposit of at least$1,000 2) $50 cash back for enrolling in e-statements. Must be 13 years of age or older. Those under 18 years old must have a parent or guardian on the account to be eligible for cash back.

²Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire five years from the day they are earned. See Rewards Rules and Rewards Terms and Conditions for details.

³Dividend information:

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

For 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.

⁴TruRate: Rates subject to change including after account opening. Fees may reduce earnings. APY Tiers: Balances up to $20,000 earn 4.00% APY if 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 $10 monthly fee will be assessed if the daily balance falls below $2,000. Limit one account per household. TruRate Checking is not available for trust or business accounts.

⁵Premium Checking: Rates subject to change including after account opening. Fees may reduce earnings. A $5 monthly fee will be assessed if the daily balance falls below $300.

⁶Moneywise checking: Account is for members aged 13-17 years old looking to start a checking account. Parent or Guardian 18+ must open and be on the account. Digital banking access offered with limited/restricted mobile deposits. Moneywise Account converts to Value checking after 18th birthday or primary member.

⁷IDProtect benefits are available to TruRate 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.

⁸Overdraft options:

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.

Overdraft Protection is free to use and includes savings and line of credit transfers. Subject to credit approval. See terms and conditions for minimum withdrawal and available balance requirements.

Overdraft Privilege is $30 per overdraft. 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.

• 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. Extended Coverage Overdraft privilege does not apply to minor accounts, trust accounts, special accounts and HSAs.

⁹Early 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.