Truity Credit Union Offers $250 for New Checking Customers and $50 for Referrals

If you live in Kansas, Oklahoma, or Texas and are on the hunt for a new checking account, Truity Credit Union has a couple of deals that might catch your eye. Right now, they're running a referral program where you can earn $50 for each friend or family member you bring on board, and your friend gets a sweet $250 bonus just for opening a new personal checking account. Plus, there's a separate $100 bonus for new checking customers who use a promo code. Let's break down what's on the table and what you need to know before you jump in.

What's the Deal?

Truity Credit Union, a member-owned institution with branches in Bartlesville, OK, Houston, TX, and Lawrence, KS, is currently running two promotions. The first is a referral offer: if you're already a Truity member, you can earn a $50 Visa Virtual Reward for each friend or family member who opens a new personal checking account through your referral link. Your friend, in turn, gets a $250 Visa Virtual Reward after they open the account and set up direct deposit within 60 days.

There's also a separate $100 bonus for new checking account customers who use promo code 100NEWCK26 when opening an account. This one is straightforward—just open a new checking account, and the bonus is yours, as long as you meet the minimum opening requirements. Note that this offer is for new accounts only; existing Truity checking customers don't qualify.

Both bonuses are paid out as Visa Virtual Reward cards, which you can use anywhere Visa debit cards are accepted. They're valid for three months from the issue date, so don't let them sit around too long.

• $50 referral bonus for you, $250 for your friend
• $100 new checking bonus with code 100NEWCK26
• No direct deposit requirement for the $100 bonus
• Visa Virtual Rewards valid for 3 months

How to Earn the Referral Bonus

To get started with the referral program, you'll need to register on Truity's referral page. Once you're registered, you can share your unique link via email or social media. When your friend clicks your link, registers, opens a new personal checking account, and sets up direct deposit within 60 days, both of you get rewarded—you get $50, and they get $250.

There's no cap mentioned on how many friends you can refer, so in theory, you could rack up a nice chunk of change. Just keep in mind that the referral bonus is limited time, so you'll want to act fast if you're interested.

One thing to note: the friend you refer must be new to Truity, and they can't have an existing checking account with the credit union. Also, only one Truity member can earn the $50 bonus per referred friend, so make sure you're the one who gets the credit.

• Register on the referral page to get your unique link
• Share your link with friends and family via email or social media
• Your friend must open a new checking account and set up direct deposit within 60 days
• You earn $50 per successful referral; your friend earns $250

The $100 Checking Bonus: Details and Fine Print

If you're not into the whole referral thing, you can still snag a $100 bonus by opening a new checking account with promo code 100NEWCK26. This offer is available to new customers only, and you'll need to meet the minimum opening deposit requirement for the account type you choose. The bonus is reported on IRS form 1099-INT if it's $10 or more, so don't forget to account for it come tax season.

The offer runs until August 31, 2026, so you have some time, but it's always better to get it done sooner rather than later.

Truity offers several checking account options, including Preferred Checking (free with 20+ debit transactions per month), Advantage Checking ($20 monthly fee waived with $5,000 average daily balance), and Essential Checking (free with no complex requirements). Pick the one that fits your banking habits best—just make sure you meet the minimum opening deposit for the account you choose.

• Use promo code 100NEWCK26 when opening a new checking account
• Offer ends 08/31/2026
• Bonus amounts of $10 or more may be reported on 1099-INT
• New customers only

What to Watch Out For

Before you dive in, there are a few things to keep in mind. First, the referral bonus and the $100 bonus are separate offers, and you can't combine them. So if you're referred by a friend, you'll get the $250, but you won't also get the $100 for using the promo code.

Second, the monthly fees on Truity's checking accounts can range from $3 to $20, but they're waivable if you meet certain requirements. For example, Essential Checking is completely free, so if you want to avoid fees altogether, that might be your best bet.

Third, the bonus is paid as a Visa Virtual Reward card, which is not a physical card—it's a digital card that you can use online or add to your mobile wallet. If you prefer a physical card, you might be disappointed, but it's still a convenient way to spend your bonus.

Finally, if you're not in KS, OK, or TX, this offer isn't for you. Truity is a regional credit union, so you'll need to be near a branch to take advantage of these deals. If you're elsewhere, check out nationwide bank bonuses that might be a better fit.

• Can't combine the $100 and referral bonuses
• Monthly fees are waivable, but read the requirements carefully
• Bonus is a digital Visa Virtual Reward, not a physical card
• Only available in KS, OK, TX

Bottom Line

• Truity Credit Union is offering a $250 bonus for new checking customers who are referred by a friend, plus $50 for the referrer.
• Alternatively, you can get a $100 bonus by opening a new checking account with promo code 100NEWCK26.
• Both bonuses are paid as Visa Virtual Rewards, valid for 3 months.
• Make sure you meet the account requirements to avoid monthly fees.

Common Questions