Skip navigation

Two great rewards—choose yours today.

As a thank you to our most loyal members for their continued commitment to the cooperative, we are offering one of two rewards checking account upgrades:


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

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

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.


Already have a checking account?

Upgrade your existing checking account one of three ways:

  • IN-BRANCH

    Visit your nearest branch location, and ask us to upgrade your account for you.

  • BY PHONE

    Call us at 1 (855) 878-9378, and ask us to upgrade your account for you.

  • ONLINE
    1. Click below to log into your TruWest account
    2. From the top menu, select Online Request Forms > Rewards Checking Election Form

If you have more than one checking account, your additional checking accounts will be converted to Simply Checking at a future date. Visit truwest.org/simply for account details.

LOG IN NOW

Don’t have a checking account yet?

Apply for a High Yield or Cash Back Checking Account today and start earning!

Apply Now


1Must be a TruWest member with a minimum $5 opening deposit and continuing balance. New checking accounts subject to approval. All Checking Rewards requirements must be met monthly (calendar month) to receive program rewards. Program, rates, rewards, terms and conditions subject to change without notice. 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. Speak to a Credit Union representative for complete details. Any taxes are the responsibility of the recipient and are reported on a 1099-INT.
High Yield Program Rewards. APY=Annual Percentage Yield. If requirements are met each monthly requirement cycle (calendar month): (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 10/01/2019.
Cash Back Program Rewards. If requirements are met each monthly requirement cycle (calendar month): (a) you will receive $0.10 cash back on qualifying debit card transactions that post and settle to your account during the monthly requirement cycle. 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.

2ATM – automated teller machine. Number of ATMs subject to change. 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.

3All Checking Rewards requirements must be met in order to receive the rewards associated with the program. Program, rates, rewards, terms and conditions subject to change at any time without notice. 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. Monthly 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. 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.