Skip navigation

Why TruWest

Make the Best Choice in Checking

Choice Checking

Get the most out of your checking account. Our well-balanced Choice Checking Account gets you started with a winning combination of features that help you save and earn more1.

  • No monthly service fees
  • Cash back offers on debit purchases
  • Dividends
  • Overdraft forgiveness 2

With Choice Checking, you’ll enjoy

  • No monthly fees. Like our OTG and Advantage 55 accounts, Choice Checking has no monthly service fee.
  • Cash back offers. Earn cash back when you shop at participating retailers with your TruWest debit card.
  • Dividends. Earn interest on the money in your account. See our checking account rates here.
  • Overdraft forgiveness. Overdrafts happen. Once per year, we you can get that pesky overdraft fee reversed.

Rates & Fees

for choice checking


Minimum Balance* Term APY**
$0.00 N/A 0.05%

Savings/Checking Disclosures

Rates effective as of June 1, 2019
Click here to view the most current consumer fee schedule.
*A minimum $5 balance in Share Savings required to be eligible for Services.
**APY=Annual Percentage Yield. APYs are based on monthly compounding. APYs are subject to change. Fees could reduce earnings. Call 1(855) 878-9378 for terms and conditions.

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
    Start the process by applying for an account.
  2. 2
    New Member – Complete New Member Form
    If you are not a member, go to New Members, fill out the Disclosure form, and then choose Next.
  3. 3
    Existing Member– Complete Account Application
    If you are already a TruWest member, go to Existing Members, and follow the on-screen instructions to continue to the account application. You can also apply through the mobile app by selecting Apply for an Account/Loan in the mobile app menu.
  4. 4
    Choose Accounts
    Complete the account application, including selecting your desired accounts.


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 membership deposit and continuing balance. Additional minimum opening deposit of $20 for Choice Checking Account. Subject to change. Visit for current rate and fee schedule.
2Offer subject to change.