accounts-checking
Checking                 

Basic Checking account advantages

  • No minimum checking account balance requirement
  • No minimum loan balance requirement
  • No monthly maintenance fee
  • Free Visa® debit card with rewards
  • Free online Bill Payer
  • Free Blue Safety Checks (First order only)
  • Access to thousands of surcharge-free ATMs
  • Customize your Visa debit card with a picture for free
  • 0.25% loan rate discount with auto transfer
    from checking 

Plus Checking account advantages

  • Simply maintain a $1,500 average daily balance in your checking account OR $10,000 combined average daily balance in deposits and/or consumer loans (excludes investments and first mortgages) to avoid monthly maintenance fee
  • Interest paid monthly
  • Free Visa® debit card with rewards
  • Free online Bill Payer
  • Free Blue Safety Checks (First order only) 
  • First 10 ATM withdrawals (STAR® network), debit PIN transactions, or combination are free each month 
  • Access to thousands of surcharge-free ATMs
  • Customize your Visa debit card with a picture for free
  • 0.25% loan rate discount with auto transfer
    from checking 

Premium Checking account advantages

  • Simply maintain a $5,000 average daily balance in your checking account OR $25,000 combined average daily balance in deposits and/or consumer loans (excludes investments and first mortgages) to avoid monthly maintenance fee
  • Interest paid monthly
  • Free Visa® debit card with rewards
  • Free Blue Safety Checks
  • Free online Bill Payer
  • Free ATM withdrawals (STAR® network) and debit
    PIN transactions
  • Access to thousands of surcharge-free ATMs
  • Customize your Visa debit card with a picture for free
  • CD rate bonus
  • 0.25% loan rate discount with auto transfer
    from checking
  • Free money orders, traveler’s checks, and check
    stop payments 

Smart Start Checking account advantages Age 26 and Under

  • No minimum checking account balance requirement
  • No minimum loan or deposit balance requirement
  • No monthly maintenance fee
  • Interest paid monthly
  • Free Visa® debit card with rewards
  • Free Blue Safety Checks
  • Free online Bill Payer
  • Free ATM withdrawals (STAR® network) and debit
    PIN transactions 
  • Access to thousands of surcharge-free ATMs
  • Customize your Visa debit card with a picture for free
  • CD rate bonus
  • 0.25% loan rate discount with auto transfer
    from checking
  • Free money orders, traveler’s checks, and check
    stop payments 
View the chart below to find the account that's right for you. Click here to open an account.
Features Basic Plus Premium Smart Start 26 and under
Basic Plus Premium Smart Start 25 and under
Minimum Balance Requirement & Monthly Maintenance Fee No monthly maintenance fee and no minimum monthly balance requirement  No monthly maintenance fee if you keep a:

• $1,500 average checking account balance

OR

• $10,000 average Relationship Balance (Includes deposits and/or consumer loans)

Otherwise, a $10 fee applies 
No monthly maintenance fee if you keep a:

• $5,000 average checking account balance

OR

• $25,000 average Relationship Balance (Includes deposits and/or consumer loans).

Otherwise, a $15 fee applies 
No monthly maintenance fee and no minimum monthly balance requirement  
Minimum deposit required to
open account
$0 $0 $0 $0
Interest Paid Monthly N/A 0.10% APY** 0.15% APY** 0.25%  APY**
Covering of Overdrafts from another Deposit Account $5 each 3 free each month, then $5 each 10† free each month, then $5 each  10† free each month, then $5 each
Loan Rate Discount $0.25% APR* 0.25% APR* 0.25% APR* 0.25% APR*
CD Rate Bonus N/A  N/A  0.05% APY** 0.05% APY**
Blue Safety Checks  First Order Free  First Order Free Always Free Always Free
Debit Card Free†† Free†† Free†† Free††
Debit Card Rewards Yes Yes Yes Yes
TruMark Financial ATMs Free Free Free Free
Signature-based transactions using Debit Card Free Free Free Free
Free ATM Withdrawals (STAR® Network, Non-TruMark Financial) & Debit PIN transactions per month 10  Unlimited  Unlimited 
Debit PIN transaction fee $0.25 $0.25 Free  Free 
TruMark Financial ATMs  Free  Free  Free  Free
ATM Withdrawals - Non-TruMark Financial ATMs  $1 $1 Free Free
Additional Service Fee for Non-TruMark Financial/Non-STAR® Network ATM withdrawals $1.50 $1.50 $1.50 $1.50
Non-TruMark Financial ATM transactions (balance inquiries & transfers)  $1  $1  $1  $1
Money Orders $1.50 $1.50 Free Free
Travelers’ Checks - Single Signature 2% 2% Free Free
Travelers’ Checks - Dual Signature 3% 3% Free Free
Stop Payments $15
(per check)
$10
(per check)
Free Free
Stop Payments - Check Series  $20  $15  Free  Free

*Annual Percentage Rate. Requires loan payment via automatic funds transfer from a TruMark Financial checking account. **Annual Percentage Yield. APY is subject to change. †Per federal regulations, savings account activity is limited to six (6) automatic or pre-authorized transfers or withdrawals per month. ††First card ordered.