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 Specialty Blue Checks (single) (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 $2,500 average checking account balance OR $10,000 average relationship balance (includes deposits and/or consumer loans (excludes investments and first mortgages)) to avoid monthly maintenance fee
  • Interest paid monthly, only if minimum daily balance requirement is met
  • Free Visa® debit card with rewards
  • Free online Bill Payer
  • Free Specialty Blue Checks (single) (First order only) 
  • First 5 ATM withdrawals at non-TruMark Financial ATMs 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 checking account balance OR $25,000 average relationship balance (includes deposits and/or consumer loans (excludes investments and first mortgages)) to avoid monthly maintenance fee
  • Interest paid monthly, only if minimum daily balance requirement is met
  • Free Visa® debit card with rewards
  • Free Specialty Blue Checks (single)
  • Free online Bill Payer
  • First 10 ATM withdrawals at non-TruMark Financial ATMs are free each month
  • 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 and traveler’s checks

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 compounded daily on account balance and paid monthly
  • Free Visa® debit card with rewards
  • Free Specialty Blue Checks (single)
  • Free online Bill Payer
  • First 5 ATM withdrawals at non-TruMark Financial ATMs are free each month
  • 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 and traveler’s checks
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 26 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:

• $2,500 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** 0.15%  APY**
Covering of Overdrafts from another Deposit Account $10 each 2 free each month, then $10 each 4 free each month, then $10 each  4 free each month, then $10 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**
Specialty Blue Safety Checks (single) First Order Free First Order Free Always Free Always Free
Debit Card Free†† Free†† Free†† Free††
Debit Card Rewards Yes Yes Yes Yes
Signature-based transactions using Debit Card Free Free Free Free
Debit PIN transaction fee
$0.25 Free 
Free  Free 
TruMark Financial ATMs Free Free Free Free
Allpoint, STARsf, CU$ and non-TruMark Financial ATMs (withdrawals, balance inquiries, & transfers)  $2 $2
(first 5 withdrawals free)
$2
(first 10 
withdrawals free) 
$2
(first 5 withdrawals free) 
Money Orders $3 $3 Free Free
Travelers’ Checks - Single Signature 2% 2% Free Free
Travelers’ Checks - Dual Signature 3% 3% Free Free
Stop Payments $32 
$32 $32 $32

$2 (first 5 ATM transactions free)
$2 (first 5 ATM transactions free)
$2 (first 5 ATM transactions free)
$2 (first 5 ATM transactions 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. Plus and Premium Checking account interest is paid only for the days of the month the minimum daily balance requirement is met. Smart Start Checking account interest is compounded daily on account balances and paid monthly. Per federal regulations, savings account activity is limited to six (6) automatic or pre-authorized transfers or withdrawals per month.††First card ordered.