Your checking account gets an upgrade August 1.
Even more benefits, plus perks you'll love!
Enhanced checking is on the way!
We’re pleased to let you know that exciting changes are coming your way. As part of our ongoing commitment to deliver more value, convenience, and benefits to our members, your Truliant checking account is getting an automatic upgrade—no action needed from you!
Starting August 1, 2025, your account will transition to Essentials Plus Banking, giving you access to enhanced features and added perks designed to make your everyday banking even better.
If you have other checking accounts where you’re the primary member, those will automatically convert to our new Add-On Banking on the same date. These accounts keep all the key features you rely on but will no longer earn dividends.1 Best of all, Add-On Banking is free as long as your Essentials Plus account remains open.2
We’re here to make this upgrade smooth and simple. Below you’ll find answers to common questions about the upcoming change—and of course, we're always here if you need us, 800-822-0382.
Frequently Asked Questions
What benefits do I get with my Essentials Plus checking account?
- 24/7 Roadside Assistance - Help with flat tires, dead batteries, and more
- Cell Phone Protection - Covers damage, loss, or theft
- Telehealth Access - 24/7 virtual doctor visits with $0 copays
- Healthcare Savings - discounts on prescriptions, vision and dental
- Identity & Credit Monitoring4 – Stay protected from fraud and theft
- Shopping & Travel & Leisure Discounts – Save on top brands and experiences
- Purchase Buyer’s Protection & Extended Warranty – Extra coverage for your debit card purchases
- View details
How do I access my benefits?
Effective August 1, 2025, there will be two ways to access and redeem your benefits:
- Log in to Online Banking, select 'Checking Perks' under 'Additional Services'
- Log in to the Truliant app, select 'More' then 'Checking Perks' at the top of the screen
What do I need to do? Is any action required?
No action is required on your part. Your account number, debit card, and checks will remain the same. Additionally, scheduled transfers, bill pay, direct deposits, and overdraft preferences will all continue as before.
Why are you changing my checking account?
We're changing your Truliant checking account to bring you even more benefits! In addition to all the convenient banking features you’ve come to expect from us, you’ll enjoy new protection for you and your finances, helpful ways to save, and rewards on everyday purchases.
Will there be a monthly fee?
Essentials Plus Banking has a $7.50 monthly service fee, but we're waiving it until October 1, 2025. After that, your Essentials Plus will remain free by meeting just one of these simple requirements:
- $500+ in total direct deposits3 each month
- $1,500+ average monthly balance in this checking account
- $5,000+ average monthly balance across all deposit accounts (checking, savings, money market or certificates)
Will my account transaction history still be available?
Yes, your transaction history will remain viewable in online and mobile banking and you will continue to have access to your past statements.
Will my account nickname migrate along with the account?
Yes, your account nickname will move with your account. You may see your nickname instead of the new account name, Essentials Plus Banking.
What will happen to my other checking accounts?
Any additional checking accounts on which you are the primary owner will automatically convert to Add-On Banking on August 1, 2025. This account retains all the core features of your current checking account. Add-On Banking is free as long as your Essentials Plus account remains open; otherwise, a $10 monthly maintenance fee per Add-On Banking account applies.
Is my account required to change?
Yes. Your account will be upgraded on August 1, 2025. Our teams have extensively reviewed insights from member focus groups, industry surveys, and growing consumer expectations to develop a suite of checking accounts tailored to better help our members reach their financial goals. This new account not only retains all the essential features our members know and love, but it also provides significant discounts on lifestyle and security benefits.
1) If any of your current checking accounts are Advantage or Senior Advantage — which currently earn dividends — the Add-On Banking account does not include dividend earnings.
2) If the Essentials Plus account is closed, a $10 monthly maintenance fee applies to Add-On Banking accounts.
3) A qualifying direct deposit is a recurring electronic direct deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-person and transfers between your Truliant accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify.
4) See here for complete details and important information.
2) If the Essentials Plus account is closed, a $10 monthly maintenance fee applies to Add-On Banking accounts.
3) A qualifying direct deposit is a recurring electronic direct deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. Person-to-person and transfers between your Truliant accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify.
4) See here for complete details and important information.