Serving Springdale since 1939

Springdale Area Checking Account

Compare our checking accounts with others, and you’ll be surprised! Packed with perks - from consumer loan discounts, to identity theft services, to mobile phone coverage, overdraft protection and ATM surcharge reimbursements - our checking accounts fulfill all your checking needs and more!

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Get a side-by-side comparison of all checking accounts. Or, answer a few questions and find the account that fits you.

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All our checking accounts come with these free services to help you manage and maintain your account.

Mobile Deposit

Deposit checks with our mobile app.

Online Banking

Access and manage your account from your PC.

Mobile Banking

Access and manage your account from your mobile device.

Bill Pay

Manage and pay your bills via PC or mobile device.

Fraud Protection

Zero liability on unauthorized debit card charges.

Instant-Issue Debit Card

Choose your debit card design.

“I feel comfortable and confident when dealing with Truity. Your employees provide excellent customer service. They make me feel like they are really focused on me and my current need or challenge of the moment; at times offering options I could consider. Thank you.”

Sandra Jamison


Enhanced Banking


Premium Banking


Basic Banking

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Minimum Opening Deposit $0 $5,000 $0
Minimum to Earn Dividends $0 Tiered Dividends22
Minimum to Avoid Service Fee 20+ debit transactions/month23 $5,000 (Avg. Daily Balance) 5+ debit transactions/month23
Monthly Service Charge $5.00 $20.00 $3.00
Paper Statement Fee $3/month $3/month
FREE Instant-Issue Debit Card
ATM Surcharge Reimbursements14 Up to $10/month Up to $20/month
.25% Discount on Eligible Loans16 NEW
Mobile Phone Coverage15 NEW
Identity Theft Recovery Services17 IMPROVED
Credit + Dark Web Monitoring17 IMPROVED
Dividend Earnings
Free Domestic Wires
Free Checks
Points Earned with Platinum Rewards VISA® 1pt/$1 2pts/$1 1pt/$1
Points Earned with Signature Rewards VISA® 2pts/$1 3pts/$1 2pts/$1
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14. Truity ATMs are always free. Out-of-network ATM surcharge reimbursements will be credited to the qualifying account at the end of each calendar month in which twenty or more debit card purchases were made.

15. Benefit up to $500 minus a $50 deductible; two claims per year (12-month period). The primary account holder can file a claim for any phones owned by them. For additional details about the services, including terms, conditions and limitations, please visit

16. Available only on eligible loans, including personal, direct auto or other secured loans when you have an active Preferred or Advantage checking account and automatic payment from a Truity share. Lines of credit, credit cards and existing Truity loans are not eligible. One discount per loan; with approved credit.

17. MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTIVATION. For additional details about the services, including terms, conditions and limitations, please visit

22. See Advantage dividend tiers.

23. To meet the transaction requirement, use your Truity debit card wherever Visa is accepted, including online purchases or payments. ATM transactions will not apply. You can also add your card to your digital wallet on mobile.

Balances on Checking accounts are calculated using the average daily balance method. The average daily balance method applies a periodic rate to the average balance in the account for the dividend period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.

Credit union membership savings (Share) par value is $5.00.

You're insured

Your savings federally insured by the NCUA to at least $250,000 and backed by the full faith and credit of the United States Government.


Must meet the minimum requirements to open a checking account. A savings account of $25.00 is required with the opening of a checking account. Must meet the minimum requirements to open a checking account. See other service fees that apply to all accounts.

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