Checking Accounts

Checking Accounts That Fit Every Stage of Life

We believe your checking account should work for you, not against you. Whether you’re looking for simple and fee-free, want to earn more on your balance, or are helping a young saver learn smart financial habits, our Checking account lineup has you covered.

True Checking

A checking account that’s simple, reliable, and truly free.

Enjoy all the essentials and more without monthly fees or hidden charges. With True Checking, you’ll get powerful digital banking tools, convenient ATM access, and a free Visa debit card designed for speed and security. It’s everything you need in a checking account, with no strings attached.

Highlights:

  • $0 monthly service charge or per-check fees

  • Free Online & Mobile Banking with mobile deposit

  • Early Direct Deposit for faster access to your funds

  • Free Visa Debit Card with chip & tap technology

  • Access to 300+ surcharge-free ATM

True Earnings Checking

Turn everyday banking into everyday earnings.

With True Earnings Checking, your everyday banking earns extraordinary rewards. Enjoy the same freedom and features as our True Checking account, but with the added opportunity to earn up to 5.00% APY1 on balances up to $15,000 just by meeting a few simple qualifications each month.

Highlights:

  • Earn 5.00% APY on balances up to $15,000

  • No minimum balance and no monthly service fees

  • All the benefits of True Checking: free digital banking, free Visa debit card, early direct deposit, and 300+ surcharge-free ATMs

1Qualifications Apply

True Youth Checking

Teach smart money habits early.

The True Youth Checking account is built to help young members learn financial responsibility in a safe, secure environment. With a personalized debit card, built-in spending limits, and no overdrafts, parents can confidently empower their teens to manage money,  while maintaining peace of mind through account alerts and spending controls.

Highlights:

  • Daily spending limit of $250 and up to 10 transactions per day

  • No overdraft allowance or international purchases

  • Free Online & Mobile Banking access for both youth and parents

  • Account alerts for easy monitoring