Worry-free checking without complications.
When you join Family Trust, you're not just a member of the credit union, you are an owner. That means we put your interests first, even ahead of our own. It means we are here to help you achieve all of your financial goals. It also means we're here to make the daily ins and outs of managing your money easier and more convenient, with fewer fees and restrictions. Every day, in everything we do, your interests come first.
Free Digital
Banking1
No Monthly
Maintenance Fee2
No Minimum
Balance Requirements
Your life is complicated enough. You don’t need a checking account that’s complicated, too.
Make purchases, pay bills, get direct deposit, and manage your account when and where it’s convenient for you. 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’ll get with this account is our not-for-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.
What Our Members Are Saying
Betty answered all my questions and made it so easy to complete my auto loan.
-Stephanie
Quick and easy process thanks to your team of professionals.
-Terrance
Always there for me and my family; we do 95% of our banking with Family Trust.
-Robert
Betty Tucker is the greatest. She made the entire loan process a "breeze".
-Terry
I was in desperate need of help. Family Trust helped me out a lot.
-Ronald
FTFCU is the best banking experience in the USA.
-Gary
Interested In Learning More?
Complete the form below and a member of the Family Trust team will reach out to discuss what checking option works best for you!
© Family Trust Federal Credit Union | Portions Copyright © Kasasa, Ltd. All rights reserved.
Very quick, easy, and efficient!
-Sandra
1. Family Trust does not charge for this service; however, your wireless carrier's data rates may apply.
2. A $5 statement by mail fee applies to accounts without e-statements. E-statement enrollment is required. Fee is waived with Loyalty Checking, or if you are under age 18 or over age 60.
3. Only members with a checking account that are eligible for Mobile Deposit can use this service.
4. Free Bill Pay only applies to basic services. Fees may apply for additional services.
5. For a list of compatible Apple Pay devices, see www.apple.com/apple-pay.
6. Must meet Membership and eligibility requirements to open account.
7. When using a Non-Family Trust ATM, you may incur a fee by the ATM operator/ network, and you may incur a balance inquiry fee even if you do not complete a transaction. For details, see our Fee Schedule.
8. Checkbooks are available to purchase. Members over age 60 with any personal checking account receive one free box of checks annually.
9. With True Choice, if between 13-25, up to four $2 Non-Family Trust ATM withdrawal and/or inquiry fees are refunded monthly, excluding ATM fees from other institutions, as determined applicable by the Credit Union.
10. Interest will accrue if transferred from a credit card. Must be 18 to apply for a credit card and qualification is required.
225 W. White St., Rock Hill, SC 29730
Mailing address: Family Trust Center, P.O. Box 10233, Rock Hill, SC 29731
Federally Insured by NCUA.
Bank Where You Belong.
At Family Trust, We Understand.
Our goal is to make sure you know we are on your side and want to help you. It's that simple. You can count on us to listen to your needs, find a solution, and help you make the best financial decisions possible. Ultimately, we want you to feel good about your choice and your finances. Because here, you come first.
Keep it simple with everything you need and nothing you don't.
Make Life Easier with True Choice Checking.
Simple, convenient, and yours.
Here’s everything you get with True Choice Checking:
• No monthly maintenance fee
• Free Visa® debit card
• Free digital banking with Mobile Deposit3, BillPay4, and eStatements2
• Apple Pay® supporter5
• No minimum balance requirements
• No minimum deposit to open6
• Network of 90+ ATM locations at no charge7
• Unlimited check writing8
• Four Non-Family Trust ATM transaction fees refunded monthly9
• Overdraft protection available10
Free Visa® Debit Card
This go-everywhere card makes using it fast, secure, and easy. Add it to your mobile wallet for easy payments on the go.
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. Our free eStatements are greener, more secure, and much easier to store than paper statements.
Mobile Wallet
With your mobile wallet, 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.
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.
Looking for a High-Yield Checking account with perks?
Loyalty Checking has benefits like consumer loan discounts, unlimited free ATM transactions, and more.
Open a True Choice Checking account and get what you need today.