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Why TruWest

YOUR PURCHASES COUNT

Cash Back Checking

Save while you spend. Cash Back Checking1 pays you back for your purchases with a monthly cash back Reward

  • Earn $0.10 cash back2 on Rewards debit card purchases
  • Add us to your mobile wallet for greater convenience
  • No monthly service fee or minimum checking balance
  • 30,000 free ATMs3
  • Mobile Card Manager for your debit card

How to earn your Cash Back Reward

Each month, if you meet both Rewards requirements4, you’ll earn $0.10 cash back on your qualifying Rewards debit card purchases that month:

  1. $500 in qualifying direct deposits into your rewards checking account
  2. 15 or more qualifying TruWest Rewards debit or credit card transactions

No penalties, no pressure

Each month is a new chance to earn! Learn more with TruWest Credit Union. Even if you don’t meet your Rewards goals this month, you can still enjoy these base benefits:

  • No monthly service fee. We aren’t going to make you jump through hoops to avoid a monthly fee. That would be uncool.
  • 30,000 free ATMs. Find free ATMs in places you already shop and even at other credit unions! Click here to find an ATM near you.
  • Mobile Card Manager for your debit card. Turn your card on/off, set restrictions and more with our Card Manager app. Click here to learn more.
  • Easy-to-use online and mobile banking. Our feature-rich online and mobile banking lets you deposit checks, pay your bills and even apply for new accounts and loans.

FAQs

Frequently Asked Questions

Next Steps

As easy as 1, 2, 3

Applying for a Checking Account

Before completing an account application, you’ll need to have the following information handy:

  • Personal information (name, address, ID number)
  • Employment and salary information
  • Social security number
  1. 1
    APPLY
    Start the process by applying for an account.
  2. 2
    SELECT APPLICATION OPTION
    Select either the New Member or Existing Member application. Once you have completed an application, you may return at any time at select Check Status to review your application status.
  3. 3
    CHOOSE ACCOUNTS
    Complete the account application, including selecting your desired account(s).

Questions?

We're happy to help! Just give us your name, email and phone number and we'll get in touch with you shortly.

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. Additional terms, conditions, and restrictions apply. Program, rates, rewards, terms and conditions subject to change without notice. Contact us at 1-855-878-9378 for full details.
2Cash Back Program Reward. If requirements are met: (a) you will receive $0.10 cash back on qualifying debit card transactions that post and settle to your 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 rewards.
3ATM – automated teller machine. Number of ATMs 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 co-opfs.org/Shared-Branches-ATMs for further details and locations.
4Monthly 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. Qualifying direct deposit is an electronic deposit of at least $500 aggregate per month in payroll, pension or government benefits (such as Social Security) funds from a member’s employer or the government. 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.