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Why TruWest

Make the Best Choice in Checking

Choice Checking

Get the most out of your checking account. Our totally free Choice Checking Account gets you started with a winning combination of features that help you save and earn more.1

  • No fees
  • Cash back
  • Dividends
  • Opt-in packages
  • Overdraft forgiveness 2

With Choice Checking, you’ll enjoy

  • No fees. Like our OTG and Advantage 55 accounts, Choice is free. No fees, no minimum balance.
  • Cash back. Earn cash 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 won’t to hold it against you.

Rates & Fees

for choice checking


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

Savings/Checking Disclosures

Rates effective as of March 1, 2018 (except for Christmas Club)
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.


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
    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.

1 Must be a TruWest member with a minimum deposit of $5.
2 Offer subject to change.
3 Offer valid 1/1/18 to 12/31/18 and subject to change without notice. Referred and referring members must be at least 13 years of age. The referred member must open a membership, an online banking account and at least one qualified account between 1/1/18 and 12/31/18 for both members to receive the $50 payout. Qualified accounts include: Auto and Recreational Vehicle loans, Choice Checking, Visa® credit card, business checking or loan, CD, IRA or money market.Referred member must meet account and membership eligibility requirements. A minimum deposit of $5 is required to become a member. The referred and referring members cannot begin memberships on the same day. Referral process must be completed in online banking using a referral code. Referrals limited to five (5) per member, per calendar year. An individual cannot be referred more than once, even if they open multiple memberships. Only the first membership opened is eligible for a payout.