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Two great rewards – choose yours today.

 

HIGH YIELD CHECKING

Earn 3.00% APY1 on balances of $0.01 – $10,000

  • No minimum checking balance or monthly service fee
  • One free box of checks per calendar year1
  • 30,000 free ATMs2
  • Mobile Card Manager for your debit card

HIGH YIELD CHECKING

CASH BACK CHECKING

Earn $0.10 cash back1 on Rewards debit card purchases

  • No minimum checking balance or monthly service fee
  • Add us to your mobile wallet for greater convenience
  • One free box of checks per calendar year1
  • 30,000 free ATMs2
  • Mobile Card Manager for your debit card

CASH BACK CHECKING


How to earn Rewards:

It’s simple.  Each month, if you meet both Rewards requirements2, you earn your High Yield or Cash Back Reward:

  1. $500 in qualifying direct deposits into your Rewards checking account
  2. 15 or more qualifying TruWest rewards debit or credit card transactions

Every month is a new chance to earn! Look for the TruWest Rewards Tracker in your online banking account to keep track of your progress each month.

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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.

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, or visit us at truwest.org/rewardschecking or ask an account representative for full details.

Cash Back Program Reward. 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 rewards.

High Yield Program Reward. 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 2/1/22.

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. 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 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.