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 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! Open one at your nearest branch, with our online application center or by calling 800-862-1998.


Checking Accounts
Effective November 1, 2020
Value Checking
Premium Checking2
TruRate Checking2,3,4
Those looking for a basic account without the worry of maintaining balances or paying monthly service feesGreat option for those who maintain a healthy monthly balance and enjoy higher dividends and perks.Those who are comfortable maintaining a consistent larger minimum balance with the highest dividend available
Minimum to open: $25Minimum to open: $300Minimum to open: $2,000
Monthly fee: NoneMonthly fee: $5, which is waived if you maintain a $300 minimum balance Monthly fee: $20, which is waived if you maintain a $2,000 balance
Dividend rate: .00%Dividend rate: .10%Dividend rate:2.00%
APY*: .00%APY*: .10%APY*:2.02% (balances up to $20,000) and 0.10% APY (balances over $20,000.01)
Overdraft Privilege fee:1 $30/eaOverdraft Privilege fee:1 $30/eaOverdraft Privilege fee:1 $30/ea
ATM withdrawals: The first five ATM withdrawals made at non-TruStone-owned ATMs in each month are free.ATM withdrawals: The first five ATM withdrawals made at non-TruStone-owned ATMs each month are freeATM withdrawals The first five ATM withdrawals made at non-TruStone-owned ATMs each month are free.
  • One free cashier's check per day
  • Two free boxes of checks annually
  • Free cashier’s checks
  • IDProtect® – Identity Theft Monitoring Service and Resolution Services4
  • Two free boxes of checks annually
  • Free cashier’s checks

Want to learn more? Fill out the form below.

Fields marked with an * are required

*TruRate Checking: Annual Percentage Yield (APY) effective 11/1/2020. 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 11/01/2020 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 Special Employee Group 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.