At True Sky Credit Union we offer a variety of checking accounts to suit your lifestyle and we strive to make it easy for you to find the perfect option to meet your needs. Whether you’re looking for a high-interest rate checking account or one that’s geared for being on the go we have you covered. Also, you can add a personalized touch from a choice of a variety of debit card options including our Community Cards —created as a way to show support for our members’ favorite Churches, Schools or Nonprofits—or from one of our standard debit card designs. For those who are 62+ we offer even more perks with our Top Brass feature, which can be added to any of our existing checking accounts. Opening a checking account is easy with our online application!
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.
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.
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
$impleMoney 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 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.
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.
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 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.
If you accidentally overdraw on your bank account by a check, authorizing a payment, or even over withdrawing at your ATM in order to buy something when you don’t have the necessary funds, True Sky can transfer funds from your overdraft protection source so that a low bank account balance doesn’t ruin your day.
What is overdraft protection?
Overdraft protection prevents the rejection of charges to your bank account that exceed your account balance by automatically transferring funds to your checking account from our own account. In other words, we loan you the necessary funds and you are responsible for paying us back. Overdraft protection is sometimes referred to as cash-reserve checking and primarily protects checks, ATM transactions, and debit-card charges. With True Sky CU overdraft protection, even if your account has insufficient funds, you will not get rejected at a point of sale because we will cover any shortfallings. In other words, overdraft protection is a guarantee that any transaction will be approved if the account balance falls below zero.
Without overdraft protection, any transactions attempted that have insufficient funds are returned unpaid, checks are bounced, and cards are declined. True Sky has improved our Overdraft Privilege to better ensure our overdraft protection is customized to meet individual member checking account needs. As part of these improvements, the overdraft limit for members will no longer be a fixed amount. Instead, it will change daily as a result of several factors including the age of the account and the amount/frequency of deposits.
True Sky offers two different types of Overdraft Protection and Enhanced Overdraft Privilege protection. Standard Overdraft Privilege protection will be automatically in place for pre-authorized transactions and automatic billing. Enhanced Overdraft Privilege offers all the features of Standard Overdraft Protection with additional benefits including protection on ATM and debit card transactions. The choice is up to you; see the chart below to consider how to cover your overdrafts.
As soon as our overdraft protection service is triggered, we will automatically transfer the appropriate funds from our linked account to cover the shortfall. Note that we do not have an option to withdraw money out of your savings account and there is a small fee associated with each transaction. This is an opt-in or opt-out option only. To learn specific details about our overdraft protection, give us a call!
Standard Overdraft Privilege protection
Standard Overdraft Privilege protection will be automatically in place for pre-authorized transactions and automatic billing.
Enhanced Overdraft Privilege protection
Enhanced Overdraft Privilege offers all the features of Standard Overdraft Protection with additional benefits, including protection on:
Everyday debit card transactions
Signing up is easy! You can opt-in to have your account upgraded to Enhanced Overdraft protection using the email submission below, visiting a branch, or by contacting us at 405-682-1990.