Home Mortgages icon

Ready to make home happen?

Apply today.

Home Mortgages

Apply Online - 2 Buttons icon

Apply for anything online.

Memberships, loans, accounts – do it all.

I'm already a member

I'm not a member yet

Your checking account should make your life easier.


Key Features

  • 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


Free Visa® Debit Card

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.

Apple Pay

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.

Four Non-Family Trust ATM transaction fees refunded monthly

If you have to use an out-of-network ATM, we’ll refund up to four transaction fees per month, which opens up the whole world of ATMs for you.

Overdraft Protection Available

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 for members with Premier Choice Checking, members under age 18 or over age 60. 

2. A $3 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. 

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. The standard fee for using a Non-Family Trust ATM is $2 per withdrawal and $0.75 per balance inquiry, and the ATM operator may access additional fees. To avoid charges, use a Family Trust ATM or surcharge-free ATM in our network, which can be located on our ATM Locations page.

9. 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.

10. If between the ages of 13-25, up to four $2 Non-Family Trust ATM withdrawal fees are refunded monthly to the share account debited. ATM fees incurred from other institutions are not refunded. 

We’re always here for you. Here are a few quick links that can make your life easier.