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Why TruWest


High Yield Checking

Savings, meet checking. Your High Yield Checking Account1 gives you the best of both worlds with a monthly high rate Reward.

  • Earn 3.00% APY2 on balances of $ 0.01 - $10,0003
  • Earn one free box of checks per calendar year2
  • No minimum checking balance or monthly service fee
  • 30,000 free ATMs4
  • Mobile Card Manager for your debit card

How to earn your High Yield Reward

Each month, if you meet both Rewards requirements3, you’ll earn 3.00% APY on your checking balance (up to $10,000) for 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! Even if you don’t reach your Rewards goals this month, you can still enjoy these convenient 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.


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
    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
    Complete the account application, including selecting your desired account(s).


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. 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 for full details.
2High Yield Program Rewards. APY = Annual Percentage Yield. If requirements are met: (a) balances up to and including $10,000 receive an APY of 3.00%; and balances over $10,000 earn 0.05% APY on the portion of the balance over $10,000, resulting in a tiered range from 3.00% 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 2/1/2023.
3Monthly 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.
4ATM – 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 for further details and locations.