Open an Account
No Fees & No Minimum Balance
FREE Features
Online & Mobile Banking
With our free Online and Mobile Banking, managing your money has never been easier. Access your account balances, transfer funds, and pay bills securely from the comfort of your home or on the go. Signing up empowers you with 24/7 control over your finances, saving you time and simplifying your everyday banking needs. Learn more.
Direct Deposit
Enjoy the peace of mind that comes with our free Direct Deposit feature. Your hard-earned money is electronically and securely transferred into your account, reducing the risk of lost or stolen checks. Enrolling in direct deposit provides a reliable and safe way to receive your pay, ensuring your funds are always where they need to be on time. Learn more.
Mobile Check Deposits
Deposit checks from anywhere with the convenience of our Mobile Check Deposit feature. Simply snap a photo of your check using our mobile banking app and securely deposit it into your account without visiting a branch. This free feature saves you valuable time and makes banking easier, right from your smartphone.
Branch/ATM Nationwide Access
Enjoy the convenience of accessing your funds wherever you are with our nationwide ATM network. As a member, you'll have surcharge-free access to thousands of ATMs across the country. This extensive network ensures that cash is always within reach, providing you with easy access to your money, no matter where life takes you. Learn more.
Your Money, Your Way: Easy Transfers
Enjoy seamless transfers between your accounts, giving you complete control over your funds. Plus, sending money to friends and family is secure and straightforward with Zelle® built right into your account. Learn more.
Credit Score +More
To help protect your Debit Card, Card Controls puts you in charge of when your card is “active” to do transactions. You can decline transactions simply by turning off your card. You also set up selective declines, text alerts and email notifications based on your needs. Learn more.
Check Services
Members can order checks themselves through CU OnLine! If you are having any trouble ordering checks, call us at 1-855-320-6460. The cost for the basic checks is $31.20 for a checkbook of 60 checks, or you can order checks with different designs for an increased cost. Once the primary member turns 60, you can order checks for free! TruGrocer also offers temporary and cashier’s checks. Learn more.
Overdraft Protection Line of Credit*
The Overdraft Protection Line-of-Credit offers a safety net for transactions exceeding your account balance, ensuring they aren't declined or penalized with overdraft fees. This service operates as a loan and requires credit approval, meaning you borrow funds to cover the shortfall. Once activated, the overdraft protection automatically bridges the gap, and you repay the borrowed amount with interest. It's a convenient option for managing unexpected expenses and maintaining financial flexibility. *On approved credit.
Tap & Go
Make everyday transactions seamless with the efficiency of our Tap and Go contactless card. Simply tap your card to pay, allowing for faster checkout times and a smoother payment process. Upgrade your payment experience with this quick and convenient feature, getting you on your way in no time. Learn more.
Mobile Wallet -- Your tap-and-go solution
Use your smartphone as a contactless, safe and secure way to pay for store purchases; link your TruGrocer debit card in Apple Pay©, Google Pay© or Samsung Pay©. Get your debit card today and experience the best of both traditional and mobile payment technologies. Learn more.
Card Controls and Debit Card Transaction Alerts
To help protect your Debit Card, Card Controls puts you in charge of when your card is “active” to make transactions. You can decline transactions simply by turning off your card. You can also set up selective declines, text alerts, and email notifications based on your needs.
Accessing Card Controls: Logon to CU OnLine>Additional services>Card Controls or login to the TruGrocer Mobile App and select Card Controls from the main menu to manage and add these protections to your Debit Card.
Open Account
Debit Card Information and FAQ's
To obtain an ATM/POS/Debit Card, you first need to open a Share Draft (checking) account. If you already have a Share Draft (checking) account with TruGrocer Federal Credit Union, call your branch office to request a card. If you do not currently have a Share Draft (checking) account with the credit union, contact your local Branch and request a Share Draft (checking) application.
Once you have opened a Share Draft (checking) account and requested a card, your free ATM/POS/Debit Card will arrive in the mail. Your computer generated PIN will arrive a few days later. To guard your card and Share Draft Account, memorize your PIN. Never keep it with your card or tell anyone else your number.
Once your Share Draft (checking) account has been opened, your card will be ordered. You should receive your card 7 to 10 business days later. For security purposes your PIN should arrive separately a few days later.
Yes, for security purposes your card comes in an inactive state. To activate the card simply call the number listed on the sticker on the front of the card, follow the prompts, and your card is activated.
Your daily withdrawal limit is the balance in your Primary Savings and Share Draft (checking) account or $1,500 whichever is less. We reserve the right to change your daily withdrawal limit at any time without notice. Withdrawal limitations may vary between networks and individual machines.
TruGrocer Federal Credit Union does not charge any fees for the use of your Debit Card. You may, however, encounter a fee charged by the operator of the machine when you make cash withdrawals from ATM’s or point-of-sale purchases. Look for signs on the outside of ATM machines and/or ask the merchant before making your transaction. ATM’s with the CO-OP symbol generally will not charge a service fee for withdrawals made with your TruGrocer Federal Credit Union ATM/POS/Debit Card.
Call your local Branch immediately (after hours call 1-855-320-6460). They can cancel your card and order you a new one. Remember to memorize your PIN and never keep it with your card. Protect your Share Draft Account!
Yes. Your ATM/POS/Debit Card can be used anywhere MasterCard Debit is accepted, purchases are deducted from your TruGrocer Federal Credit Union Share Draft (checking) account.
Yes, transactions processed using your ATM/POS/Debit Card will appear in the Share Draft (checking) section of your monthly statement.
If you are using an ATM to withdraw cash, you may be able to select a savings withdrawal from your Primary Savings account. Remember that transactions are rejected if the funds are not available in your selected share account.
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