Rewards Checking Accounts
Flexible, member-focused checking options designed for all of life’s journeys.
Already applied? Check your application status.
Find the Perfect Checking Account for You
High Yield Checking
4.00
%
APY1
on balances of up to $10,000
Cash Back Checking
$0.10
%
Cash Back1
on Rewards debit card purchases
OR
Earning Monthly Rewards is Easy2
- Set up $500+ in qualifying direct deposits
- Use your Rewards debit or credit card on 15+ qualifying transactions
A Checking Account that Checks Off All the Boxes
Access these valuable features no matter which Rewards Checking Account you choose.
Savings
No Monthly Fees or Minimum Balance
Avoid monthly service fees and maintain any balance in your checking account with no minimum requirements.
Financial Coaching & Counseling
Stop by one of our Financial Services Centers and speak to one of our Certified Financial Counselors.
Budget & Goal Management
Manage your complete financial picture in one place with easy-to-access online and mobile tools.
Security
Manage Your Debit Card with Ease3
Control your card settings, including locking/unlocking4 and setting spending limits, through our Mobile Card Manager.
Credit Monitoring & Optimization
Complete credit management and control in one dashboard with SavvyMoney6.
Fraud Education
Access fraud prevention and recovery resources to help protect yourself from common scams and take action against identity theft.
Convenience
Get Paid Early
Get your paycheck up to two days early5 when you set up direct deposit to your Truwest checking account.
Access 30,000 Surcharge-Free ATMs7
Withdraw cash from over 30,000 ATMs7 nationwide without worrying about fees.
Debit Card with Tap to Pay
With your TruWest Visa® debit or credit card, shop with ease using just a tap.
Easy Bill Pay
Pay your bills simply through online banking or through the mobile app.
Transfer Money with Zelle®8
Send and receive money from friends directly from your account.
Get Your TruWest Visa®
Debit Card
Enjoy the convenience and security of using your TruWest Visa Debit Card with any TruWest checking account.
TruWest Mobile App
Stay connected to your financial future with our mobile app. With intuitive features like mobile check deposit, bill pay, and instant alerts, staying on top of your finances has never been easier.
Looking For an Additional Checking Account?
Visit us to open a Simply Checking Account9, a simple, no-fuss secondary account for your everyday needs, with no hidden fees or complicated terms.
- No monthly service fees or minimum balance requirements
- Access to online and mobile banking tools
- Surcharge-free ATM7 access within our network
Upgrade Your Simply Checking Without Disruption
Enhance your Simply Checking Account with High Yield or Cash Back Rewards—no changes needed, as long as you don’t already have a High Yield or Cash Back account.
No changes to your account number
Keep your Bill Pay and Direct Deposit settings as they are
No penalties if you don’t meet the Rewards criteria in a given month
Continue enjoying all the benefits of your account with the added potential for Rewards
Ready to get rewarded? Log in to your TruWest account and complete the Rewards Checking Election Form under Online Request Forms.
More Ways to Manage Your Finances with TruWest
Overdraft Services
Safeguard your checking account from unexpected shortfalls with flexible overdraft options.
TruWest Credit Cards
Expand your purchasing power with a TruWest credit card that matches your needs.
Auto Loans
Drive off with competitive rates and flexible terms on your next vehicle loan.
Have a Question?
Can I have more than one TruWest Checking Account?
Each member may only have one Rewards Checking Account (High Yield or Cash Back). Any additional checking accounts will default to our Simply Checking Account.
When can I expect to see my Reward added to my account?
Rewards are added every third business day for the month for the previous month’s earnings or debit card purchases, depending on whether you have High Yield or Cash Back Checking.
Why didn’t I get my Reward this month?
Make sure all the requirements were met to earn the Reward2:
- $500 in qualifying direct deposits into your Rewards Checking Account
- 15 or more qualifying TruWest rewards debit or credit card transactions
If all the requirements were met and you still haven’t seen the Reward added to your account, please contact us at 1 (855) 878-9378.
Get in Touch with TruWest
We’re here for you, every step of the way.
Chat With Us
Get quick answers and assistance for your banking needs.
Disclosures
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 4/1/25.
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.
5Early Direct Deposit: Requires qualifying direct deposit. Early access to funds depends upon the timing of the submission of the payment file from the payer. Early availability of direct deposits is not guaranteed, may vary from deposit to deposit, and may not apply. We generally make qualifying direct deposit funds available on the day the payment file is received. Subject to terms, conditions, and restrictions. May change without notice. Please speak to a representative for further details.
6Product(s) and program(s), terms, conditions, and restrictions apply and are subject to change at any time. Enrollment in Online banking and SavvyMoney required. Message and data rates may apply. Check with your mobile provider. Must be a TruWest primary member with a minimum $5 opening deposit and continuing balance. Not available for business, trust or special accounts.
7ATM – automated teller machine. Number of ATMs subject to change. Surcharge-free transactions 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-opcreditunions.org/locator for further details and locations.
8U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.
Copyright © 2025. All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
9Must 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.
Visa® is a registered trademark of VISA U.S.A. Inc.
