TruRate Checking

Truly better checking

Open a TruRate checking account and earn $100 cash back**


Put your money to work for you with a TruRate checking account from TruStone Financial. Earn up to 2.02% APY* with a minimum daily balance of $2,000, you can maximize your earnings while still having the flexibility to access your money when you need it. Plus when you open a new checking account, you earn $100 cash back!**

How can you earn $100 cash back?**

  • Open and use a new checking account
  • Set up recurring direct deposit**
  • Plus, you can earn more money for referring friends and family to TruStone Financial

Our TruRate checking account benefits are built for your convenience. Enhance your checking with:

Watch your money grow with a TruRate checking account!


Ready to start? You can apply online or at your nearest branch.

 
  Open Today
 
 

Which checking account works for you?

  TruRate Checking2,3,4 Premium Checking2 Value Checking MoneyWise Checking
Overview Those who are comfortable maintaining a larger minimum daily balance can earn a 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
  • Monthly requirement: 12 combined transactions on TruStone Visa credit and debit cards
  • Sign up for eStatements
  • Minimum daily balance of $2,000 
Have a Share Savings account
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 2.00% (balances up to $20,000) and 0.10% (balances $20,000.01+) 0.10% 0.00% 0.00%
APY* 2.02% (balances up to $20,000) and 0.10% APY (balances $20,000.01+) 0.10% 0.00% 0.00%
IDProtect® 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
Overdraft Options1 None
*APY: Annual Percentage Yield. Fees could reduce the earnings on the dividend bearing accounts.
DIVIDEND 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

1 For one-time debit card transactions, you must have previously opted-in for Overdraft Privilege or the transaction will be declined. Payment by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of $800 overdraft (negative) balance. Transaction types that are eligible for Overdraft Privilege include, and are limited to: ACH transactions, debit card transactions, drafts and On-Us checks at the teller counter. You must bring your account balance positive within every 30-day period for a minimum period of 24 hours. The credit union, at its discretion, can cancel this protection and cease paying overdrafts at any time without prior notice of reason or cause.

2For 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.

3TruRate Checking: Annual Percentage Yield (APY) effective 1/1/2021. Rates subject to change including after account opening. Fees may reduce earnings. TruRate Checking APY Tiers: Balances up to $20,000 earn 2.02% 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, enroll in eStatements and maintain a minimum daily balance of $2,000. 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. Minimum open deposit of $2,000. For complete details of this checking account, speak with a TruStone Financial banker.

4Benefits 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. Some benefits require registration and activation. For complete details of this checking account, speak with a TruStone Financial banker. TruStone membership required. Federally insured by NCUA.

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*TruRate Checking: Annual Percentage Yield (APY) effective  1/1/2021.  Rates subject to change including after account opening. Fees may reduce earnings. TruRate Checking APY Tiers: Balances up to $20,000 earn 2.02% 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, enroll in eStatements and maintain a minimum daily balance of $2,000. 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. Minimum open deposit of $2,000. For complete details of this checking account, speak with a TruStone Financial banker. 

**$100 Cash Back: Offer effective 1/01/2021 and subject to change. Total recurring direct deposits of at least $500 must be established within 45 days of account opening to earn $100 cash back. Only one account per membership is eligible and member must not have a current or prior checking account with TruStone. Excludes business and trust accounts. Allow up to 60 days from account opening for deposits to be made. Recipient is responsible for any applicable taxes. Must be 16 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. Offer subject to change and may be combined with the Refer TruStone and Premier Partners programs. 

2Benefits 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 Benefits and/or insurance documents for the applicable Benefits. Benefits are not available to a “singer” 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.

3See rewards program terms and conditions for details.

Federally insured by NCUA.