Last Updated: 01/21/2026
True Sky FCU Optimum Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.50%(Verified 07/22/2024)
Monthly Service Fee
$2(Verified 01/21/2026)
True Sky FCU Optimum Checking Account Review
The True Sky FCU Optimum Checking Account is offered by True Sky Federal Credit Union, a credit union founded in 1946 and based in Oklahoma City, OK. True Sky FCU Optimum Checking Account is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. True Sky FCU Optimum Checking Account has an annual percentage yield of up to 0.50%, which is higher than the national average interest rate on savings accounts.
- Waivable monthly maintenance fee. There is a minimum balance requirement of $500. If the balance falls below $500, a $2 fee will be charged.
- No ATM fees. True Sky FCU Optimum Checking Account does not charge fees on ATM transactions .
- Up to $10.00 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
True Sky FCU Optimum Checking Account Pros & Cons
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True Sky FCU Optimum Checking Account FAQ
Are checking accounts from True Sky Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does True Sky FCU Optimum Checking Account offer?
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| APY (Annual Percentage Yield) | 0.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
True Sky FCU Optimum Checking Account offers an APY of 0.50% (APY stands for annual percentage yield, rates may change).
What are the account minimums for True Sky FCU Optimum Checking Account?
True Sky FCU Optimum Checking Account requires a minimum initial deposit of $25.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does True Sky FCU Optimum Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $2.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does True Sky FCU Optimum Checking Account charge overdraft fees?
Yes, True Sky FCU Optimum Checking Account charges a $29.00 fee for every overdraft.What features and perks does True Sky FCU Optimum Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $10.00.
- Mobile Banking Services - True Sky FCU Optimum Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for True Sky FCU Optimum Checking Account?
The customer support email for True Sky FCU Optimum Checking Account is info@trueskycu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:30PM
Saturday
9:00AM - 12:00PM