Rewards Checking Accounts

¹Must be a TruWest member with a minimum $5 opening deposit and continuing balance. Accounts subject to approval. All Checking Rewards requirements must be met monthly (calendar month- “Cycle Month”) to receive program Rewards. Eligibility requirements include having a monthly: 1) Qualifying Direct deposit; and 2) 15 Truwest debit/credit qualifying purchase transactions. Only one Rewards Checking Account per primary member and only one Rewards type (High Yield or Cash Back) available on an account at one time. Additional terms, conditions, and restrictions apply. Program, rates, rewards, terms and conditions subject to change without notice. Contact us at 1 (855) 878-9378, visit us at www.truwest.org/checking, or ask an account representative for full details.

High Yield Program Rewards. APY = Annual Percentage Yield. If requirements are met: (a) balances up to and including $10,000 receive an APY of 4.00%; and (b) balances over $10,000 earn a 0.05% dividend rate on the portion of the balance over $10,000, resulting in a tiered range from 4.00% to 0.05% APY. If requirements are not met, all balances earn 0.05% APY. Accounts are variable rate accounts and rates are subject to change at any time without notice. Fees could reduce earnings. APY is effective as of 12/1/24.

Cash Back Program Rewards. If requirements are met: (a) you will receive $0.10 cash back on qualifying debit card transactions that post and settle to your Rewards account during the Cycle Month. Automated teller machine (“ATM”) transactions do not qualify as a debit/credit purchase transactions; do not count toward Cycle Month requirements; or earn cash back rewards.

²Monthly requirement cycle is based upon the calendar month (“Cycle Month”). To earn rewards all requirements must be met during the Cycle Month. Members may change their rewards election at any time by contacting TruWest Credit Union. Earned reward will be determined by designated account type as of the last business day of the Cycle Month. A qualifying direct deposit is a recurring electronic deposit, made through the Automated Clearing House (ACH) network, of at least $500 aggregate per month in payroll, pension, government benefits (such as Social Security) funds or other regular monthly income by a member’s employer, the government, or an outside agency. Credit card cash advance transfers, wire transfers, person to person transfers, transfers from one account to another or deposits made at a physical TruWest location or ATM are not qualifying direct deposits. At least one qualifying direct deposit must post and settle to your rewards account per Cycle Month. At least 15 qualifying debit card or credit card purchase transactions (or a combination) must post and settle to your rewards account during the Cycle Month. Automated teller machine (“ATM”) transactions do not qualify as a debit/credit purchase transactions; do not count toward Cycle Month requirements; or earn cash back rewards. Cash back reward only awarded on qualifying debit purchase transactions. Qualifying transactions must post and settle to your rewards account during the Cycle Month. They will not qualify if in a pending state. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Surcharge free ATMs limited to TruWest Credit Union ATMs and designated CO-OP Financial Services’™ Network ATMs. ATM must be in CO-OP network at the time of transaction. Please contact TruWest for further information. If requirements are met, Dividends or earned cash back will be credited to your rewards account after the close of the Cycle Month. Speak to a credit union representative for complete details.

³This feature is available on the TruWest Card Manager app for iPhone and Android devices. Data connection required. Message and data rates and wireless carrier fees may apply. Must be a TruWest member with a minimum $5 opening deposit and continuing balance. Terms, conditions and restrictions apply. Subject to change without notice.

⁴When you place a lock on your debit or ATM card via Card Manager, it will prevent most types of card transactions from being processed until you take action to unlock your card. Any virtual cards linked to the locked card will also be locked. However, the lock will not stop card transactions presented as a new recurring or a previously scheduled recurring transaction by the merchant, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Additionally, transactions that occurred prior to locking the card will not be affected. Locking your card is not a replacement for reporting your card lost or stolen.

⁵ATM – automated teller machine. Number of ATMs as of June 2021 and subject to change. Surcharge-free ATMs limited to TruWest Credit Union ATMs and designated CO-OP Financial Services’™ Network ATMs. ATM must be in CO-OP network at the time of transaction. Visit www.coop.org/Shared-Branch-ATM for further details and locations.

⁶Must be a TruWest member with an existing TruWest checking rewards account. Minimum $5 membership deposit and continuing balance required for membership. New accounts subject to approval. Limited to secondary checking accounts. Restrictions apply. Product, rates, rewards, terms and conditions subject to change without notice.