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Like to Save? We'll Save You the Time.

If you're constantly searching for the best value for the products or services you purchase, make sure you're also taking a look at the best banking options available to you! You'd be surprised how much money you'd be able to save by just switching to a more well-rounded banking experience.

Ultimate Checking


Advancial
Bank of America
Truist
SECU®
Truliant
Features & Benefits 
Ultimate Checking
Advantage Plus Banking
Truist One Checking
Everyday Spending Checking
Truly Free Checking
No monthly service fee1
No minimum balance requirement
No minimum opening deposit
Unlimited free ATMs worldwide
No foreign transaction fees
Free instant-issue debit card
Receive direct deposit up to 2 days early2

All data based on Advancial, Bank of America, Truist, State Employees’ Credit Union and Truliant websites as of 9.3.2024.

1 Monthly service fees can be waived if certain conditions are met. For Bank of America’s Advantage Plus Banking, your monthly service fee will be $12 unless you maintain a minimum daily balance of $1,500 or more in your account, you have at least one qualifying direct deposit of $250 or more made to your account or an account owner is a member of the Preferred Rewards program. If these conditions are met, your monthly service fee will be $0.

1 For Truist’s Truist One Checking, your monthly service fee will be $12 unless you make $500 or more in total qualifying Direct Deposits per statement cycle, maintain a combined monthly average balance of $500 or more across all eligible Truist accounts, have a personal Truist credit card, mortgage or consumer loan, excluding LightStream®, have a linked small business checking account or are a student under the age of 25. If these conditions are met, your monthly service fee will be $0.

1 For State Employees’ Credit Union’s Everyday Spending Checking account, your monthly service fee will be $1 in lieu of contribution to the SECU Foundation. If you opt in to this contribution, your monthly service fee will be $0.

 
2 Early access to direct deposit funds is a free feature that you must opt-in to in cuAnywhere, and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday. Not all direct deposits qualify.

Visa® Rewards Plus


Advancial
Bank of America
Truist
SECU®
Truliant
Features & Benefits 
Visa Rewards Plus
BankAmericard®
Enjoy Cash Credit Card
Visa® Credit Card
Visa Transparent
No annual fee
Lowest available APR1
9.90%
16.24%
18.49%
13.00%
14.49%
0% introductory period1
12 months
18 months
12 months
Unlimited reward points
No foreign transaction fee
No over-limit fee
No penalty rate

All data based on Advancial, Bank of America, Truist, State Employees’ Credit Union and Truliant websites as of 9.3.2024.

All APR ranges above do not include possible introductory rates and would take effect after those introductory periods have concluded.

1 Rates displayed only show the lowest possible APR for promoted credit cards. Actual rates may vary depending on creditworthiness. For Advancial’s Visa Rewards Plus credit card, the APR range is between 9.90%-16.90%. For Bank of America’s BankAmericard, the APR range is between 16.24%-26.24%. For Truist’s Enjoy Cash credit card, the APR range is between 20.49%-29.49%. For State Employees’ Credit Union’s Visa Credit Card, the APR range is between 13.00%-16.00%. For Truliant’s Visa Transparent credit card, the APR may vary with the market based on the Prime Rate.

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