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  3. TruSpend Checking

Freedom for kids. Control for parents.

There’s nothing like the feeling of financial independence, and Alltru is here to help your kids get a taste of it. Our TruSpend Checking account makes it easy for you to show your kids how to manage their money, one of the most valuable lifelong skills they can have.

Alltru member Audrey sitting in Wentzville's Alltru branch. Decorative embellishments frame the cut circle photo

Audrey

Alltru Member

Alltru member Andrew on a skateboard in the street. Decorative embellishments frame the circle photo

Andrew

Alltru Member

Alltru TruSpend Checking Account

$0
monthly fee
Open an Account

Alltru TruSpend Checking Account Features

Independence for them, peace of mind for you.

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For kids and teens only

Kids, tweens, and teens are welcome. This checking account is for kids ages 8+.

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Easy set up and no minimums

Set up the account for $1 and enjoy no monthly fees and no minimum balance requirements.

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Manage money from anywhere

Our mobile banking app and account management tools make it easy.

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Free Visa debit card

Teach them to shop responsibly wherever they are.

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Parental controls

Stay on top of your child’s spending with custom parental controls and take advantage of teachable money moments.

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Graduate to better banking

Once your teen turns 18, if they have kept a positive balance and there are no overdrafts, they’ll be eligible to move up to our Basic Checking account.

Online and Mobile Banking

A photo of the Alltru mobile banking app behind a TruSpend Checking debit card
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Mobile check deposits.

Deposit checks at anytime, from anywhere by snapping an image of your check with a smartphone.

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Convenient debit card controls.

Lock, unlock, and re-order your debit card using the Alltru app.

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Account notifications.

Get notified when a card has reached a limit, suspicious account activity, and more.

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Security, guaranteed.

Your safety is our top priority. We provide the highest levels of security, encryption, and firewalls.

Alltru Credit Union + Zogo Gaming

Learn Financial Literacy from Anywhere.

Recommended topic for you in the Zogo app

How it works

Zogo is a gamified app that rewards users for completing financial literacy lessons. The app features 21 categories with more than 380 short, bite-sized financial literacy lessons.

  • Download the Zogo App
  • Level up your financial skills by completing bite-sized lessons
  • Collect pineapples and redeem for gift cards to retailers like Amazon, Apple, Nike, Walmart, Starbucks, and more
  • Plus, compete in daily trivia to test your knowledge for bonus pineapple opportunities
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Enter Access Code:

ALLTRUCU
Alltru TruSpend Checking Account Frequently Asked Questions

You Asked, We Answered.

TruSpend is our branded youth banking line consisting of:

• TruSpend Checking – A youth checking account with debit card access.
• TruSpend Saving – A youth savings account designed for early savers.

Both accounts are joint accounts with a parent, guardian, or other eligible adult and are structured to grow with the member from childhood into young adulthood.

Youth aged 8 to 17, with a joint adult owner (usually a parent or guardian).

• No monthly fees
• Visa debit card issued to the youth
• Online and mobile banking access
• Visa debit card issued to the youth
• Joint adult oversight
• Alerts and transaction monitoring via digital banking

Yes. The youth receives a debit card with their name on it. These members can select special TruSpend designs at the branch through instant issue. Otherwise, their card will arrive through the mail looking like our normal Alltru debit card design.

Yes. Debit card limits are set appropriately for youth to reduce risk. Current default limits are:

• $500/day for point-of-sale purchases
• $500/day for ATM withdrawals

Limits can be adjusted at the request of the joint owner, subject to internal review.

Yes, TruSpend Checking and TruSpend Savings accounts can be opened online or at the branch.

• No monthly fees
• Standard share savings dividend rate
• Online and mobile banking access
• Joint adult oversight
• No minimum balance required to open
• Ability to create savings goals within online banking

Yes. Internal transfers between TruSpend Savings and TruSpend Checking are available through online and mobile banking. The adult joint owner can also manage those transfers as needed.

• The member is automatically converted to an adult checking and primary savings account.
• Notification of account status change is sent prior to the member’s 18th birthday.

The adult joint owner can:

• View all balances and transactions in their Alltru mobile app
• Set up alerts and monitor spending in their Alltru mobile app
• Transfer funds between accounts in their Alltru mobile app
• Request account changes or closure

The debit card functions like a normal Visa debit card. While we do not offer merchant-level blocking at this time, parents can monitor all spending and set up real-time alerts in online banking. Card lock/unlock is available.

No. There are no monthly maintenance fees for either TruSpend Checking or TruSpend Savings.

Alltru Checking Accounts

Premium Checking

Learn more

1.00%

APY*

Opportunity Checking

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$8

per month with
direct deposit

Currently Viewing

TruSpend Checking

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$0

monthly fee

Basic Checking

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$0

monthly fee

Value Checking

Learn more

$5

monthly fee

  • “Everyone at the branch has been so patient and wonderful with my kids. I always see the same faces and I think that’s something that really sets Alltru apart.”

    Alltru member Marcy, a middle-aged white woman with blond hair
    Marcy
    Alltru Member
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Set up parental controls.

It's fast and easy

Teach your kids financial literacy.

Learn how with this guide

Need teen money management help?

Let's get started

Let’s Talk

We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.