With a number of accounts to choose from, True Sky has the one for you. With mobile banking, bill pay, external transfers, remote deposit capture, debit cards, and overdraft protection, your account is easy to manage and always within reach.  


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True Sky’s Optimum Checking account offer benefits beyond just checking. Earn monthly dividends and get ATM fees refunded by meeting a few requirements.

  • Premium interest rate
  • Up to $10 in ATM fee refunds per month
  • Free E-statements, remote deposit and mobile banking

Earning benefits is easy: 

  • Subscribe to e-statements 
  • Log in to Flightline online banking at least once per month 
  • Conduct 20 debit or credit card transactions per month (excluding ATM transactions) 
  • Minimum of $5 per transaction 
  • Maintain one direct deposit per month 
  • Be current on all True Sky loans and obligations

Visit any branch to open your account today. 

Optimum Checking Disclosures

APY = Annual Percentage Yield. These are the terms as of Feb. 1, 2016, and are subject to change at any time. The above stated APY will be paid on the portion of account balances up to $40,000. If the above requirements are not met, the account will earn the default APY of 0.05%. Balances exceeding $40,000 will earn an APY of 0.05%. Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day the funds are deposited. Dividends will be compounded and credited monthly. The dividend rates and annual percentage yields may change at any time, as determined by the board of directors. Only one Optimum Checking account per primary member. Check card transactions must be conducted and posted to the account by the last business day within each statement month. ATM transactions do not qualify as a transaction. ATM refunds apply only to domestic ATMs. Direct deposit must be received and posted within each statement month to receive credit. If the account holder (including joint owner) is a signer or co-signer on any loan that becomes delinquent greater than 30 days, the account will not earn the above stated APY and will revert to the default APY of 0.05%. If the account holder (including joint owner) is a signer or co-signer on any loan that is or becomes charged off, the account will not earn the above stated APY and will revert to the default APY of 0.05%. This includes delinquencies and charge-offs of any amount. Federally insured by NCUA. Beginning March 1, 2016, Optimum Checking will have a minimum balance requirement of $500. If the balance falls below $500, a $2 fee will be charged.


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This debit account is designed for those who prefer a fully mobile experience. It features rewards on debit transactions, ATM fee refunds and overdraft forgiveness when qualifications are met.

Rewards:

  • 5 cents back per debit transaction
  • Up to $10 in ATM fee refunds per month
  • One NSF fee refund per year

$impleMoney requires no minimum balance. To earn rewards, simply:

  • Conduct at least 40 debit or credit card transactions per month
  • Sign up and activate e-statements
  • Utilize Flightline
  • Limit your check usage to less than five per month 

If qualifications are not met, the ATM refunds, debit card rebate and NSF fee will not be refunded. As with all other deposits at True Sky Credit Union, your funds are federally insured by NCUA for up to $250,000.


Easy Checking

Some people think of a credit union as just a place to get a loan or apply for a mortgage, but we can meet your everyday banking needs and provide a number of advantages in the process. 

Advantages include:

  • Mobile bill pay (free with e-statements) 
  • Online banking 
  • Free debit card 
  • No monthly service charge (with e-statements, without e-statements a $2.00 monthly statement fee may be incurred)
  • No minimum balance 

As with all other deposits at True Sky Credit Union, your funds are federally insured by NCUA for up to $250,000.


Top Brass Checking

Top Brass Checking is a special account for members age 62 and up. It’s a free account that requires no minimum balance and is federally insured by NCUA. We help meet your unique financial needs as an older adult with special features, including:

  • 50% off checks 
  • 50% off domestic wire transfers 
  • Free fax service 
  • Discount on stop payments 
  • Free Notary Service

As with all other deposits at True Sky Credit Union, your funds are federally insured by NCUA for up to $250,000.


Money Market Checking

Money market accounts pay interest on your deposits while still allowing access to your funds.

  • Six free checks or transfers per month 
  • Higher dividend rates than a regular savings account 
  • Tiered rate structure – dividend rate increases with your balance

Visit any branch to open your account today.

As with all other deposits at True Sky Credit Union, your funds are federally insured by NCUA for up to $250,000.

Balance Requirements Dividend Rate APY APR Repayment Term
Money Market Tier 1 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. If the balance drops below $2,500, the rate will default to .05% APY. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $2,500-$24,999 .30% .30%
Money Market Tier 2 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $25,000-$49,999 .40% .40%
Money Market Tier 3 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $50,000-$99,999 .50% .50%
Money Market Tier 4 APY = Annual percentage yield. Rate as of 8/1/18 and is subject to change at anytime. The APY assumes dividends are compounded monthly and will remain on deposit. Fees may reduce earnings. $100,000 and up .60% .60%