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You’re On The Go—Your Checking Account Should Be, Too!

You're tech-savvy and always wired in. OTG Checking,1 for 18-29 year olds On The Go, is designed with you in mind. If you haven't checked out this entirely free, totally paperless, perk-filled account, do it now!

Over-the-Top Account Features

  • No fees. There's no minimum balance or monthly service fee.
  • Fun gifts. Get an eGift card just for opening an account!
  • Cash back. Get cash back when you use our debit card.
  • And more! Read all of the not-so-standard benefits below.

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Signing bonus

When you open your OTG account, you'll get a $25 Amazon eGift card as a 'thanks for being a member' gift.2


Totally paperless

Snail mail's a pain. Sign up for eStatements (that way you can get your signing bonus!).2


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Anniversary bonus

As an extra-special thank you for your continued loyalty, we'll send you a $10 Starbucks eGift card at your year anniversary.3


Overdraft forgiveness x2

Overdrafts happen. Receive 2 fee forgivenesses per year.4 Also, prevent payments from being rejected for good. 


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Personalized debit card

Showcase your unique style with a customized image on your debit card. The best part? It's free!


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Cash-back offers

We want you to save money - even while you're spending money. Get cash back at participating retailers each time you use your debit card.


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Network of free ATMs

With more surcharge-free ATMs than Chase and Wells Fargo combined, we're seriously convenient! Bank at almost 30,000 ATMs and 5,000+ shared branches.


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Mobile banking

There's an app for that! Stay on top of your finances anywhere, anytime. Deposit checks, transfer funds, check balances - you name it!

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Exclusive member deals

Use membership to your advantage. TruWest members get discounts from Sprint, DISH Network, Tylers Coffee and much, much more!


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$1,000 AD&D insurance

Sign up for $1,000 in free Accidental Death & Dismemberment insurance. Watch your mailbox!

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Online banking

Bank securely and quickly without leaving home. Whether you're signing up for eStatements or paying your bills, you've come to the right place. 


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Money management tool

Understand how you spend your money - even at other financial institutions. Download our Quicken-powered software program for free. 


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Fraud protection

TruWest debit cards include EMV chip technology, for enhanced fraud protection.
We've got your back.

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Credit union membership

Become a member of our credit union! When you open a checking account, you'll be asked to start your Share Savings Account, with as little as $5. 


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1One OTG Checking Account per individual.
2Must enroll in eStatements through Online Banking for OTG Checking Account. One eGift card per individual.
3All accounts must be in good standing to receive annual eGift card. Must have at least three transactions in the past 30 days to be eligible and have not used overdraft fee forgiveness within the calendar year. Offer subject to change.
4Offer subject to change.