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IRS warns people about a COVID-related text message scam12/9/2020

The IRS and its Security Summit partners are warning people to be aware of a new text message scam. The thief’s goal is to trick people into revealing bank account information under the guise of receiving the $1,200 Economic Impact Payment.

Here’s how this scam works:

People get a text message saying they have “received a direct deposit of $1,200 from COVID-19 TREAS FUND. Further action is required to accept this payment… Continue here to accept this payment …" The text includes a link to a phishing web address.

This fake link appears to come from a state agency or relief organization. It takes people to a fake website that looks like the Get My Payment website. If people visit the fake website and enter their personal and financial account information, the scammers collect it.

Here’s what people should do if they receive this message:

Anyone who receives this scam text should take a screenshot and include the screenshot in an email to with the following information:

• Date/time/time zone that they received the text message
• The phone number that received the text message


If you need to check on anything pertaining to the IRS, please go directly to the website.  The IRS doesn’t send unsolicited texts or emails and never asks for personal data, ever. Plus, the agency will never demand immediate payment using a gift card, prepaid debit card or wire transfer or threaten to have a taxpayer arrested.


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We Remain Open3/25/2020

TruStar is still fully operational and able to fulfill all of your banking needs, just in a different way at this time.

Branch Lobbies
All transactions will continue to be conducted at the drive-thru Monday – Friday 8:30am – 5:00pm.

  • This includes money orders.
  • If it is an absolute necessary, you can arrange with your local branch to access your safe deposit box.

Digital Banking Solutions
We strongly encourage you to utilize our online and mobile banking platforms that are available 24 hours a day to perform all routine banking activities.

  • Online Banking to manage your accounts, transfer funds, and more.
  • Our Mobile Banking App that can be downloaded to your smartphone.
  • Mobile Deposit within our Mobile App, to deposit checks from your smartphone.
  • Paying your bills with Online Bill Pay.
  • Using your Debit Card whenever possible to pay for items rather than using cash.
  • TruStar ATMs offer an easy way to get cash, and deposit bills and checks.

Annual Meeting
Our Annual Meeting originally scheduled for April 20, 2020, is postponed until a later date when it is safe to gather as a community again.

Please do not hesitate to call or email us with any questions, concerns, or if you need assistance setting up online services of any kind. We are here to help. We can be reached at 800-887-0220 or Remember, do not send any sensitive personal information through email.

Thank you for your understanding and patience during this time. Please know that TruStar Federal Credit Union stands prepared, without interruption, to continue to meet all of your banking needs. It is important to us to keep not only our dedicated employees safe, but also our community. Our thoughts are with our members, and we sincerely hope all are safe and healthy.

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Avoid Coronavirus Scams3/20/2020

Scammers are taking advantage of fears surrounding the Coronavirus.

Avoid Coronavirus Scams

Here are some tips to help you keep the scammers at bay:

  • Hang up on robocalls. Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
  • Fact-check information. Scammers, and sometimes well-meaning people, share information that hasn’t been verified. Before you pass on any messages, contact trusted sources. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.
  • Know who you’re buying from. Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don’t.
  • Don’t respond to texts and emails about checks from the government. The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.
  • Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Ignore online offers for vaccinations. There currently are no vaccines, pills, potions, lotions, lozenges or other prescription or over-the-counter products available to treat or cure Coronavirus disease 2019 (COVID-19) — online or in stores.
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.


Information from:

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Lobby Closures Due to COVID-193/17/2020

As the COVID-19 outbreak begins to impact Minnesotans, TruStar has made the difficult decision to close all branch lobbies effective March 18 until further notice.  Branch drive-thrus, ATMs, and night deposit boxes will remain open.  We have always taken our responsibility to protect the well-being of our people and community seriously. It was with that responsibility in mind that we made this decision. 
Following guidance from public health authorities, we understand that practicing social distancing and reducing dense public gatherings as much as possible is critically important at this time. This is truly a global effort that requires all of our participation in the collective fight against COVID-19.
During this time, we remain committed to serving our members through channels including telephone, online chat, and secure messaging.  Your TruStar accounts can be accessed online, through our mobile app, and at any one of our ATMs.  Features such as Mobile Deposit and TruPay are free to use anytime.

We will continue to monitor the situation and provide updates as necessary.  If you have any questions, please reach out to us at 800-887-0220.

Thank you for your membership. We look forward to continuing to serve you through this challenging time.

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2020 Patronage Dividend2/20/2020

TruStar Federal Credit Union has announced the payment of a Patronage Dividend to its members for the sixth consecutive year.

$600,000 will be divided amongst TruStar’s member-owners and be deposited into their accounts on February 20, 2020.  “When our capital exceeds our goal for the year, the excess is returned to our members in the form of a Patronage Dividend” stated Dale Johnson, President/CEO.  This amounts to over $4 million since 2013.  

In addition to patronage, TruStar also paid nearly $240,000 in 2019 to members through the Debit Rewards program.  This unique program pays members cash for using their debit card.

“We are proud to be financially healthy and able to reward members for choosing TSFCU as their primary financial institution.  We strive to go beyond providing members with basic services and do what we can to improve their financial lives” added Johnson.

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Top 200 Credit Union6/12/2019

TruStar Federal Credit Union has been named one of the top 200 credit unions in the nation for superb financial health by

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2019 Scholarship Program3/11/2019

TruStar Federal Credit Union is pleased to once again offer its annual scholarship program to local high school students. We understand that financing an education can be difficult and stressful, and we want to help alleviate some of that burden. 

Recognizing that dedication and hard work is at the heart of succeeding in high school and beyond, we have designed our scholarship program to reward those students who have shown a commitment to their academics while being involved in other activities and their communities.

For information on the eligibility requirements as well as an application for the scholarships, click here:  Scholarship Information

Applications should be turned into your local branch or mailed no later than April 18, 2019 to:

Wendy Reiners 

Marketing Manager

601 Fourth Street

International Falls, MN  56649

Please contact Wendy at 218.283.2000 x1139 with any questions.

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Warning: 15 Signs Your Identity is Under Attack3/8/2019

It’s a sad fact—identity theft has become commonplace. Last year saw nearly 17 million new victims in the United States alone.1  It’s a big club that nobody wants to join. Resolving identity theft and fraud can take months or even years, and your finances can take a big hit, too.


1“2018 Identity Fraud: Fraud Enters a New Era of Complexity,” Javelin Strategy & Research, 2018.

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Patronage Dividend Announced2/21/2019

TruStar Federal Credit Union has announced the payment of a Patronage Dividend to its members for the fifth consecutive year.

$750,000 will once again be divided amongst TruStar’s members and be deposited into their accounts on February 21, 2019. “When our capital exceeds our goal for the year, the excess is returned to our members in the form of a Patronage Dividend” stated Dale Johnson, President/CEO. This amounts to almost $3.75 million since 2013.

“That number rises to just over $4 million when you consider our Debit Rewards program” added Johnson. “These are perfect examples of what being a member of a financial cooperative is all about – access to products designed to benefit all members and sharing in the success of the business.

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How Does the IRS Contact Taxpayers?12/17/2018

When the IRS needs to contact a taxpayer, the first contact is normally by letter delivered by the U.S. Postal Service. The IRS doesn't normally initiate contact with taxpayers by email, nor does it send text messages or contact through social media channels.

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