Skip navigation

Two great rewards—choose yours today.


HIGH YIELD CHECKING

Reward: 3.00% APY1 on balances up to $10,000

  • No monthly service fee
  • 30,000 free ATMs2
  • Mobile Card Manager for your debit card
  • Easy-to-use online and mobile banking

Apply Now

CASH BACK CHECKING

Reward: $0.10 cash back1 on debit card purchases

  • No monthly service fee
  • 30,000 free ATMs2
  • Mobile Card Manager for your debit card
  • Easy-to-use online and mobile banking

Apply Now


How it works:

There are just three things you need to qualify for your reward each month3.

  • eStatements
  • $500 or more in direct deposits
  • 15 or more TruWest debit or credit card transactions

No penalties, just good vibes. Your new account will have no monthly service fee, regardless of whether you meet the monthly requirements. Click here to view the most current consumer fee schedule.


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; 2) 15 Truwest debit/credit qualifying purchase transactions; and 3) eStatements. 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. Any taxes are the responsibility of the recipient and may be reported on a 1099-INT. Program, rates, rewards, terms and conditions subject to change without notice. Contact us at 1 (855) 878-9378, or visit us at truwest.org/rewardschecking for full details.
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 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.
High 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 12/01/2019.

2ATM – 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.

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. 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 account per Cycle Month. At least 15 qualifying debit card or credit card purchase transactions (or a combination) must 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 cash back rewards. Cash back reward only awarded on qualifying debit purchase transactions. Qualifying transactions must post and settle to your 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. Enrollment in electronic statements (“eStatements”) is required. You must be continuously enrolled and receive your monthly account statement electronically. 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. Any taxes are the responsibility of the recipient and are reported on a 1099-INT.

Thanksgiving Closure

As a reminder, our branches will be closed on Thursday, November 26 in observance of Thanksgiving Day. We will be open our normal business hours on Friday, November 27, as well as Saturday, November 28.