Checking Accounts That Fit Your Life
Whether you want to earn dividends, keep things simple, or start fresh, we have a checking account designed around you.
Personal Checking
Frequently Asked Questions
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How do I open a checking account?
You can open a checking account online, visit one of our branch locations, or contact us for assistance. If you're not already a member, you'll need to establish membership before opening your account.
Can I open a checking account online?
Yes. Eligible applicants can open a checking account online and begin enjoying the convenience of digital banking services.
Does every checking account include digital banking?
Yes. All Family Trust checking accounts include access to online banking and the mobile app, allowing you to manage your accounts anytime, anywhere.
How do ATM fee refunds work?
Eligible checking accounts may qualify for ATM fee refunds. Specific qualifications, limits, and terms apply. Review account disclosures for complete details.
Are there minimum balance requirements?
No. Our personal checking accounts do not require a minimum balance to open or maintain the account.
How do I qualify for the Loyalty Checking dividend rate?
To earn the advertised dividend rate and receive account benefits, certain monthly qualifications must be met. Refer to the account disclosures for current qualification requirements and details.
Is there a monthly service fee?
- Loyalty Checking: No monthly fee when qualifications are met; otherwise a monthly fee may apply.
- True Choice Checking: No monthly service fee.
- Fresh Start Checking: Monthly service fee applies.
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Explore More Ways to Reach Your Financial Goals
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Loyalty Checking
Earn More from Everyday Banking
A premium checking account that rewards you with higher dividends, loan discounts, and added account benefits.
A premium checking account that rewards you with higher dividends, loan discounts, and added account benefits.
True Choice Checking
Simple, Fee-Free Checking
A straightforward checking account designed for easy everyday banking with no monthly service fee.
Fresh Start Checking
A Fresh Start for Your Financial Journey
Designed to help you rebuild your banking relationship with access to the tools you need for everyday banking.
Designed to help you rebuild your banking relationship with access to the tools you need for everyday banking.
Why Members Love Loyalty Checking
They Earn More
Receive up to $800 per year in dividends just by meeting account requirements.
They Borrow for Less
Enjoy a 0.25% discount on qualifying consumer loan rates.
They Can Bank Anywhere
Access your accounts 24/7 with online and mobile banking.
They Get Member-Focused Service
Get personalized support from a local team that's here to help.
Why Bank with Family Trust?
As a member-owned credit union, Family Trust is focused on helping our members reach their financial goals, not maximizing profits.
Benefits of Banking with Family Trust
- Personalized, local service from people who know your community
- Competitive rates and fewer fees
- Financial solutions designed around your needs
- Convenient digital banking tools to manage your money anytime, anywhere