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Home/Why Tru TreasuryWhy Tru Treasury

The whole program. One partner.

Most institutions piece together software, advisors and new hires, then spend years launching. We bring the people, products and program together, built for and owned by community institutions.

Connect with the teamSee how it works
What is includedStrategyPricing and policyRiskDigital bankingSalesOnboarding and servicingTraining
Build it in-houseEverything is on your team
Software-only providerSoftware, then you are on your own
Tru TreasuryThe whole program, one partner
IncludedOn your team
The difference

What we do better than anyone else.

We were the first full-service treasury management CUSO built explicitly to help credit unions grow their commercial banking. Here is what that means for you.

01The whole program, not just software.People, products and program from one partner. We build it, sell it, service it and run it on our own technology.First full-service treasury management CUSO built for credit unions
02Built for community institutions, and owned by them.We are owned by credit unions and industry partners, so every decision is made for institutions like yours.Owners include Suncoast, Team One, ELGA and Great Lakes
03We sell beside you.Our sales support specialists join your calls, build the proposals and help close the deal.75% sales close rate
04Months, not years.Proven templates, playbooks and systems get you to market without trial and error.Six months or less, on average
05Risk built in from day one.TRAC scores and documents every business relationship before the first payment moves.Ready for the 2026 NACHA rules
06Your brand, always.TOS is white-labeled and our team can work behind the curtain, so businesses only see you.White-labeled digital banking
07Recognized for it.Independent recognition and our clients both say the same thing.2025 NACUSO CUSO of the Year · NPS 9.8
How we compare

Side by side, line by line.

There are three ways to offer treasury management. Choose the alternative you are weighing and compare it with Tru Treasury.

Build it in-houseTru Treasury
Time to launchOften years of trial and errorSix months or less on average
Program design, pricing and policyYour team builds itIncluded, from proven templates
Risk assessmentBuild or buy separatelyTRAC, built for the 2026 NACHA rules
Digital banking platformBuy and integrate separatelyTOS with Tru Payments, white-labeled
Treasury salesHire and train a teamSpecialists with a 75% close rate
Onboarding and servicingStaff a back officeFull back-office servicing
Training and certificationFind outside programsCMP, Frontline and in-person workshops
Built for community institutionsDepends on who you hireBuilt for, and owned by, community institutions
ROI calculator

What could treasury management earn you?

Move the sliders to match your market. The estimate updates as you go, and our team can walk through the numbers with you.

Your program
40
$150K
$150
3.00%
Estimates only, based on your inputs. Assumes each year adds the same number of relationships and all are retained. Deposit value is the annual margin you earn on deposits.
Estimated value after three years $1.5M
$6.0Mnew deposits, year one
$72Kfee income, year one
$180Kdeposit value, year one
$252KYear 1
$504KYear 2
$756KYear 3
Review these numbers with us
130+Institutions served nationwide
75%Sales close rate
9.8Client rating out of 10
$9MRelationship won through the RFP
NextResultsCase studies, awards and what our partners say.

Built for institutions that mean business.

Connect with the team