Your checking account should make your life easier.
Key Features
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Free Digital Banking
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No Monthly Maintenance Fees5
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No Minimum Balance Requirements
Free Digital Banking
No Monthly Maintenance Fees5
No Minimum Balance Requirements
Your life is complicated enough. You don’t need a checking account that’s complicated, too. You just need to be able to make purchases, pay bills, get direct deposit, and manage your account when and where it’s convenient for you. And that’s exactly what you’ll get with True Choice Checking. Everything you need in a checking account, and nothing you don’t.
One thing you will get with this account, though, is our non-profit credit union. Which means at Family Trust, our first priority is your financial welfare, not our own profit. We’re here to help make your financial life easy and rewarding. That’s it. Because here, you come first.
Here’s everything you get with True Choice Checking
- No monthly maintenance fee1
- Free Visa® debit card
- Free digital banking3 with Mobile Deposit4, BillPay5, and eStatements1
- Apple Pay® supporter6
- No minimum balance requirements
- No minimum deposit to open7
- Network of 90+ ATM locations at no charge8
- Unlimited check writing9
- Four Non-Family Trust ATM transaction fees refunded monthly 10
- Overdraft protection available2
This go-everywhere card makes using it fast, secure, and easy; it gives you essential protections on your purchases, too.
Free digital banking with Mobile Deposit, BillPay, and eStatements
Manage your account anytime and just about anywhere from your computer or mobile device, assuming you’re connected to the internet! You can pay your bills anytime and in just a few clicks, or set up automatic bill payment and basically let your bills pay themselves. And our free eStatements are greener, more secure, and much easier to store than paper statements.
With Apple Pay, you can securely store your Family Trust Debit Card information on your mobile device and use it to make cardless and contactless payments just about anywhere.
Overdraft Protection Available2
Family Trust offers several overdraft protection options. It’s one more way to make your checking account work for you.
Review all options before signing up for these optional services. Enroll by phone 803-367-4100 or at any local branch.
1. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived with Loyalty Checking, or if you are under age 18 or over age 60.
2. To learn more about optional overdraft protection services, visit the family trust.org Overdraft Protection page. There is no fee to transfer from savings account or credit card to cover an overdraft. However, for credit cards, interest will accrue from the day of the transfer. Must be 18 to apply for a loan and qualification is required. Loan eligibility, terms, and approval are based on credit, income, and other underwriting factors. You must qualify for No Bounce Courtesy Pay. Each item paid through this service is subject to a $32.00 Overdraft Fee if the overdrawing transaction is $5.00 or more. There is a daily cap of 5 fees. Fees may be imposed for covering overdrafts created by check, ACH transactions, and other electronic transactions. You may also elect to cover overdrafts from one-time debit card transactions and ATM withdrawals. With No Bounce Courtesy Pay, we will generally pay your overdraft items when paying them would not cause your available balance to go more than $600.00 into the negative. However, payment of your overdraft items is at our discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you use the service irresponsibly. You must bring your account to a positive balance within thirty (30) days of the overdraft. To opt-out of this service, call us at (803) 367-4100 or visit one of our branches. Additional terms and conditions apply.
3. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.
4. Only members with a checking account that are eligible for Mobile Deposit can use this service.
5. Free Bill Pay only applies to basic services. Fees may apply for additional services.
6. For a list of compatible Apple Pay devices, see www.apple.com/apple-pay.
7. Must meet Membership and eligibility requirements to open account.
8. When using a Non-Family Trust ATM, you may incur a fee by the ATM operator/ network, and you may incur a balance inquiry fee even if you do not complete a transaction. For details, see our Fee Schedule.
9. Checkbooks are available to purchase. Members over age 60 with any personal checking account receive one free box of checks annually.
10. With True Choice, if between 13-25, up to four $2 Non-Family Trust ATM withdrawal and/or inquiry fees are refunded monthly, excluding ATM fees from other institutions, as determined applicable by the Credit Union.