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There’s still time to choose!

Select you rewards checking account upgrade by this October1 to start earning exciting new benefits:


Reward: 3.00% APY1 on balances of $0 – $10,000


Reward: $0.10 cash back1 on debit card purchases

Learn more about our rewards checking accounts here.

What happens if I don’t upgrade my account?

On October 1, 2020, any existing TruWest® checking accounts (including OTG, Choice, Advantage 55 and Traditional Checking) that are not upgraded to rewards checking accounts will be automatically converted to Simply Checking.

Because Simply Checking does not offer the same great benefits as our High Yield and Cash Back checking accounts, we encourage you to make a rewards checking selection before automatic conversion occurs.

Select your upgrade one of two ways:


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

    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 for account details.


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 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.