We believe in second chances. Open this account to get a fresh start on your banking.

Key Features

  • Free Digital Banking
  • Free Debit Card3
  • Unlimited Check Writing1
  • Offers the opportunity to re-establish your checking account history
  • Unlimited check writing1
  • Check cashing services available2
  • Free Visa® debit card3
  • Free digital banking4 with Mobile Deposit5, BillPay6 and eStatements7
  • Apple Pay® supporter
  • Access to 90+ surcharge-free ATMs8
  • Overdraft protection available9
  • Low monthly maintenance fee of $10
  • No minimum balance requirements
  • No minimum deposit to open10

1. Checkbooks are available to purchase. Members with True Choice Checking over age 60, and members with Premier Choice Checking, receive one free box of checks annually.

2. Fees may apply. 

3. Replacement Visa Debit Card is $7.

4. Family Trust does not charge a fee; however, your wireless carrier's data rates may apply.

5. Only members with a checking account that are eligible for Mobile Deposit can use this service. 

6. Free Bill Pay only applies to basic services. Fees may apply for additional services. 

7. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived for members with Premier Choice Checking, members under age 18 or over age 60, and for accounts that have a monthly direct deposit of $100 or more. 

8. To locate a surcharge free ATM, visit the familytrust.org ATM Locations page. Members using a Non-Family Trust ATM will incur a $2 fee for withdrawals and a $0.75 fee for balance inquiries.  

9. A fee will be charged each time overdraft protection transfers from a savings, or interest will accrue if transferred from a credit card. Must be 18 to apply for a credit card and qualification is required. 

10. Must meet Membership and eligibility requirements to open account.

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