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We will be closed on Tuesday, November 11th in observance of Veterans Day. We will resume normal business hours on Wednesday, November 12th. Our mobile and online banking systems are available 24/7 for your convenience.

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New Member Offer

Teal Cash Icon

Open any adult checking account and get $300!1

See details.

Limited Time Only – Ends 11/30/25

Add more value to your checking.

Ready to get more out of your checking account? With Alltru Value Checking, we give you secure and accessible banking for your busy lifestyle. Plus, practical perks help you save on your everyday spending. It’s time to value your checking experience.

Alltru member Sean in a black polo with a gold necklace, smiling inside an Alltru branch

Sean

Alltru Member

Alltru member Shanese in a teal dress leaning against the wall and smiling inside the Wentzville Alltru branch

Shanese

Alltru Member

Alltru Value Checking Account

$600

in Cell Phone Protection
$5 monthly fee

*View full rate information and qualifiers.

Alltru Value Checking Account Features

Value your checking with low-cost benefits.

Pink lock icon

Identity theft protection

Identity theft monitoring and resolution services, including the dark web.3,4,5

Icon of green dollar bills

Fuel savings

Save instantly at Shell stations nationwide with Extended Gold Status.6

car icon

Roadside assistance

Up to $100 coverage per incident, wherever and whenever.3

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24/7 telehealth

Access video or phone visits with doctors, anytime.7

pink debit card icon

Debit advantage

Protection on purchases plus extended warranties.3

green piggy bank icon

Travel and leisure discounts

Save at thousands of hotels, restaurants, and more.

teal phone icon

Cell phone protection

Coverage for damage or theft up to $600 per claim.3

Alltru Value Checking Account Benefits

Understanding Your Checking Benefits

Cell Phone Protection

Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. Covers up to four phones on a cell phone bill.3 (Cell phone bill must be paid with eligible account.)

Debit Advantage®

Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire or theft.3

Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years.3 (Item(s) must be purchased entirely with this account for coverage)

Identity Theft Expense Reimbursement Coverage

Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.2,3

Comprehensive Identity Theft Resolution Services

Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.

Credit File Monitoring

Daily credit file monitoring and automated alerts of key changes to your credit report. (Registration and activation required.)

Dark Web Monitoring

Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (Registration and activation required.)

Financial Wellness 360º

Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (Available via mobile or web only.)

Credit Score Simulator

Use the Score Simulator to see how actions like increasing card limits, or paying off a loan, impact your VantageScore credit score.4 (Registration and activation required.)

Credit Report and Score

Access to credit report and credit scores.4 (Registration and activation required.)

Credit Score Tracker

Receive valuable insight into your credit score.4,5

Identity Monitoring

Monitoring of over 1,000 databases. (Registration and activation required.)

Travel and Leisure Discounts

Money-saving discounts from thousands of local and national businesses. Redeem and print coupons online or access discounts from a mobile device. Digital Access makes saving super easy and convenient giving instant savings anytime and anywhere. (Available via mobile or web only.)

Roadside Assistance Service

24-hour coverage for roadside assistance services including towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Max of two occurrences per 12 month period.3

Fuel Savings

Join the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly.6

Enjoy 24/7 access to video or phone consultations with U.S.-based, board-certified doctors for urgent care or mental health support—for you and your family—all with zero copays.7 (Registration and activation required.)

Alltru Value Checking Account Benefits

No More Waiting. Get Paid Up to 2 Days Early.

Life moves fast, and so should your money. With Alltru Checking, you can access your paycheck up to 2 days earlier with direct deposit.8 Whether you’re planning for a weekend getaway, paying bills, or just need a little extra cushion, early access to your money means less stress and more freedom to manage your finances on your terms. It’s not just for paychecks either. It can help with things like tax refunds, some forms of retirement payments, and child support, too. It’s one of the many ways Alltru is here to make your life easier.

Here’s how:

  • Open an Alltru Checking account.
  • Set up direct deposit through Alltru.
  • Wait for your paychecks to roll in. We’ll give you access to your paycheck as soon as we get it, up to two days earlier than other banks and credit unions.  
a photo of a debit card in front of a smartphone with the Alltru app

Ready to Become a Member?

New Member Welcome Bonus
$300 Limited Time Offer

Enjoy $300 when you open a new adult checking account with code CHECKING300 and complete the qualifying behaviors.1

Open Now
Promo code: Checking300 | Offer Expires: 11/30/25

Here’s how to get $300.

 

✔ Become a new Alltru member.

✔ Open any adult checking account using code CHECKING300 by 11/30/25.

✔ Within 60 days of checking account opening, sign up for online banking and estatements, and complete at least (2) $500 Direct Deposits.

Alltru Checking Accounts

Opportunity Checking

Learn more

$8

per month with
direct deposit

TruSpend Checking

Learn more

$0

monthly fee

Basic Checking

Learn more

$0

monthly fee

Currently Viewing

Value Checking

Open an account

$5

monthly fee

Premium Checking

Learn more

1.00%

APY*

  • “I love online banking because I don’t have to leave my house, it’s very convenient.”

    Alltru member Tallya, an older African-American woman with short dark hair
    Tallya
    Alltru Member

  • “Every time I call in, they’ve always been helpful and answer my questions. And if they can’t they transfer me to someone who could. It’s always a positive experience.”

    Alltru member Victoria, a middle-aged White woman with shoulder-length, straight red hair
    Victoria
    Alltru Member

  • “Online banking allows me to keep track of my transactions and see my balance anytime I need to.”

    Alltru member Bradley, a young Asian man with short black hair
    Bradley
    Alltru Member
Icon with a hand and leaf above hand to represent making the most out of your money

Make the most of your money.

See how to meet your savings goals

Set up account alerts.

Stay in the know

Sync your digital wallet.

Never leave your card again.

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.