Checking Accounts

At True Sky Federal Credit Union, we understand that everyone’s financial situation is unique, which is why we offer a diverse range of checking accounts tailored to fit your individual lifestyle and banking needs. Whether you’re a student managing your first account, a professional seeking competitive dividend rates, or someone who is always on the go and needs the convenience of digital banking, we have the perfect solution for you. Our high-dividend rate checking accounts provide an excellent opportunity to earn more on your balance, while our mobile-friendly options ensure you can manage your finances anytime, anywhere.

We also believe in the power of personalization and community support. That’s why we offer a variety of debit card options, including our exclusive Community Cards. These cards allow you to express your support for your favorite local churches, schools, or nonprofits every time you make a purchase. Choose from our selection of standard designs or make a statement with a card that reflects your community spirit. Additionally, for our members aged 62 and over, we offer the Top Brass feature, which provides extra benefits and perks to enhance your banking experience. This feature can be seamlessly added to any existing checking account, ensuring that you enjoy the maximum benefits tailored to your stage in life.

Moreover, we recognize the importance of convenience and accessibility in modern banking. That’s why we’ve streamlined our account opening process, making it simple and hassle-free with our online application system. In just a few clicks, you can open a checking account from the comfort of your home, without the need to visit a branch. Our user-friendly platform guides you through each step, ensuring a smooth and efficient experience. Plus, our dedicated customer service team is always available to assist you with any questions or concerns you may have, providing you with the support you need to make informed financial decisions.

At True Sky Federal Credit Union, we are committed to empowering our members with the financial tools and resources they need to achieve their goals. We pride ourselves on our community-focused approach, offering products and services that not only meet your banking needs but also enrich the communities we serve. Whether you’re saving for the future, managing your day-to-day expenses, or supporting local causes, we’re here to help you every step of the way. Join us today and discover the difference that personalized, community-driven banking can make in your life. Opening a checking account is easy with our online application!

Checking Account Services

Overdraft Protection

Reorder Checks

True Sky Federal CU Locations

Find a Shared Service Center

Find a Fee-Free ATM

Debit Card Design Options

Become A Member

Choose A Checking Account That Fits YOUR Needs

Optimum Checking

Earn monthly dividends and get ATM fees refunded by meeting a few requirements.

  • Premium dividend rate
  • Up to $10 in ATM fee refunds per month
  • Free E-statements, remote deposit, and mobile banking

Earning benefits is easy:

  • Subscribe to e-statements
  • Log in to online banking at least once per month
  • Conduct 20 debit transactions per month (excluding ATM transactions)
  • Maintain one direct deposit per month
  • Be current on all True Sky Federal Credit Union loans and obligations

Visit any branch to open your account today or apply online.

Simple Money Debit Account

This debit account is designed for those who prefer a fully mobile experience. It features rewards on debit transactions, ATM fee refunds, and overdraft forgiveness when qualifications are met.

Rewards:

  • 5 cents back per debit card transaction
  • Up to $10 in ATM fee refunds per month
  • One NSF fee refund per year
  • Free E-statements, remote deposit, and mobile banking

SimpleMoney requires no minimum balance. To earn rewards, simply:

  • Conduct at least 40 debit transactions per month
  • Sign up and activate e-statements
  • Utilize online banking

If qualifications are not met, the ATM refunds, debit card rebate, and NSF fee will not be refunded. As with all other deposits at True Sky Federal Credit Union, your funds are federally insured by NCUA for up to $250,000.

Visit any branch to open your account today or apply online.

Easy Checking

Some people think of a credit union as just a place to get a loan or apply for a mortgage, but we can meet your everyday banking needs and provide a number of advantages in the process.

Advantages include:

  • Free debit card
  • No monthly service charge (with e-statements, without e-statements a $2.00 monthly statement fee may be incurred)
  • No minimum balance
  • Free E-statements, remote deposit and mobile banking

As with all other deposits at True Sky Federal Credit Union, your funds are federally insured by NCUA for up to $250,000.

Visit any branch to open your account today or apply online.

Easy Checking Simple Money Optimum Checking Top Brass
Choose if you are looking for: An everyday banking account For those who prefer a fully mobile experience Earning dividends and refunded ATM fees If you are 62+ ask to add this on to any of our checking accounts
Minimum Balance $0 $0 $500 $0
Minimum Opening Deposit $25 $25 $25 $10
Dividends No No 0.5% APY up to $40,000 No
Monthly Service Fee $0 with eStatements $0 with eStatements $0 with eStatements $0
Other Features Free E-statements, remote deposit, mobile banking and debit card. 5 cents back per debit transaction, up to $10 ATM fee refunds 1 NSF fee refund per year.

Free E-statements, remote deposit and mobile banking.

 Free E-statements, remote deposit, mobile banking and premium interest rates. 50% off checks and wire transfers. Free Notary and fax service and discounts on stop payments.

Free E-statements, remote deposit and mobile banking.

APY = Annual Percentage Yield. These are the terms as of Feb. 16, 2021, and are subject to change at any time. The above stated APY will be paid on the portion of the account balances up to $40,000. If the above requirements are not met, the account will earn the default APY of 0.05%. Balances exceeding $40,000 will earn an APY of 0.05%. Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day the funds are deposited. Dividends will be compounded and credited monthly. The dividend rates and annual percentage yields may change at any time, as determined by the board of directors. Only one Optimum account per primary member. Check card transactions must be conducted and posted to the account by the last business day within each statement month. ATM transactions do not qualify as a transaction. ATM refunds apply only to domestic ATMs. Direct deposit must be received and posted within each statement month to receive credit. If the account holder (including the joint owner) is a signer or co-signer on any loan that becomes delinquent greater than 30 days, the account will not earn the above stated APY and will revert to the default APY of 0.05%. If the account holder (including the joint owner) is a signer or co-signer on any loan that is or becomes charged off, the account will not earn the above stated APY and will revert to the default APY of 0.05%. This includes delinquencies and charge-offs of any amount. Federally insured by NCUA. March 1, 2016, Optimum began a minimum balance requirement of $500. If the balance falls below $500, a $2 fee will be charged.

Free Checking Account

From True Sky Federal Credit Union