Momentum Checking Offers Perks That Keep Up With You

Looking for a checking account that actually works for you? At Trumark, we believe your checking account should do more than just hold your money. That’s why we created Momentum Checking—to reward the way you already bank and help you make real progress toward your financial goals.

Our Momentum Checking Account combines the everyday convenience you expect with perks you’ll actually use:

  • Debit card rewards on the purchases you’re already making
  • Non-Trumark ATM fee reimbursements to keep more money in your pocket
  • Eligibility for a High Yield Savings Account when you meet monthly activity criteria

It’s designed to give you more value without adding complexity, so your money works as hard as you do.

Momentum Checking Account FAQs

  • To unlock key benefits of the Momentum Checking account each month, you only need to meet one of the following requirements:

    • Receive at least $1,000 in electronic deposits, or
    • Complete 15 qualifying debit and/or credit card transactions, or
    • Be 26 years of age or younger

    These requirements are evaluated monthly, and thresholds reset at the start of each new month.

    Benefits tied to meeting these requirements include:

    • Waived $10 monthly maintenance fee
    • Refunds of Trumark out-of-network ATM fees
    • Reimbursement of non-Trumark ATM operator fees up to $5 per month

  • Monthly electronic deposits include funds that are electronically transferred into your account, such as:

    • Payroll direct deposits
    • Government direct deposits
    • ACH transfers
    • Person-to-person (P2P) payments

    Deposits that do not count toward monthly electronic deposit requirements include cash or check deposits, ATM deposits, wire transfers, transfers between Trumark accounts, card transactions, bill payments, or merchant refunds.

  • Yes. Only one Momentum Checking Account is permitted per membership.

  • To earn the high rate, you must have an active Momentum Checking Account and meet the monthly qualification requirements. When you qualify, you’ll earn a higher rate on balances from $1 up to $100,000.

  • Yes. You can add your Trumark debit and credit cards to Apple Pay, Google Pay, and Samsung Pay to make secure purchases in stores, in apps, and on the web. Learn more about how to enroll. 

  • Members can deposit checks anytime, anywhere, using Trumark’s mobile app. Simply take a photo using an Android or Apple mobile device and follow the steps to deposit a check. No visit to a branch or ATM is needed. 

  • Members can enjoy surcharge-free withdrawals at any Trumark ATM, as well as at participating STARs ATMs.

    When you meet the monthly qualification criteria for your Momentum Checking Account, you also unlock additional ATM benefits:

    • Non-Trumark ATM Fee Refunds: Any fees charged by Trumark for using out-of-network ATMs may be refunded and will be credited to your account at the end of your checking statement cycle.
    • Non-Trumark ATM Fee Reimbursements: Fees charged by other ATM operators may be reimbursed up to $5 per month, with reimbursements credited at the end of the checking statement cycle.

    These benefits make it easier to access your money anywhere without worrying about extra fees.

  • Yes, alerts are available to help you manage and monitor account balances, cleared checks, deposits, transfers, and more. To set up alerts, log into online banking and click “My Settings”. Then choose “Alerts & Notifications” from the menu to set alerts and their delivery methods for one or more accounts. If you are not currently enrolled in online banking, click here to enroll. 

  • Yes, Overdraft Privilege is a value-added service that may help cover transactions when there aren’t enough funds in your checking account. It can protect everyday payments such as one-time debit card purchases, ATM withdrawals, personal checks, and other transactions. There are no monthly or annual fees for this service—you only pay a fee if an overdraft occurs. It’s designed to provide peace of mind and help you avoid the inconvenience of declined transactions.

    Click here to learn more.

  • Yes, you can set up direct deposit to your account. Simply instruct your employer, government benefactor, or pension plan to deposit your funds directly into your Trumark account – instead of giving you a paper check. Our ABA Routing/Transit number is (236084243). 

    Click here to learn more

    Momentum Checking Disclosure


    *To qualify for the $250 bonus, member must open a new Momentum Checking Account and receive qualifying direct deposits totaling $1,000 or more within 90 days of account opening. Qualifying direct deposits include payroll, pension, or government benefits made via ACH; person-to-person payments, account transfers, mobile deposits, cash, and wire transfers do not qualify. $250 bonus will be awarded via 25,000 rewards points, redeemable through the Credit Union’s rewards portal, approximately 6–8 weeks after requirements are met. Member may not have had a checking account with the Credit Union within the past 12 months. Account must be open and in good standing at time of fulfillment. Offer valid through 6/30/26 and subject to change or discontinuation at any time.