Checking Accounts

Ideal Checking Accounts

Convenience you expect — benefits you'll love

It's your life — our checking accounts help make it ideal with convenience, access and control. No matter which Ideal Checking Account suits you best, you'll enjoy:

An Ideal CU Mastercard® Debit Card with Ideal CU Rewards.
24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more!
Direct Deposit with Early Payday benefits.
Access to a nationwide surcharge-free^* ATM Network.
Optional Overdraft Protection to cover purchases in the event you do not have a positive available balance in your account. Learn more and see disclosures.
Optional Gold and Platinum Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.

Find the right account for you

High Yield Checking

For members who want to earn 4.00% APY^* on balances up to $20,000. Learn more

Open an Account

Relationship Checking

For members who carry higher balances and want to earn tiered interest on those balances. Learn more

Open an Account

Cashback Checking

For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more

Open an Account

Free Checking

A basic, free checking account with no monthly balance or other requirements. Learn more

Open an Account

Compare Checking Accounts

	High Yield	Relationship	Cashback	Free
Description	A checking account for members who want to earn a higher yield on balances up to $20,000 See Requirements	A checking account for members who carry higher balances and want to earn tiered interest on those balances	A checking account for members who do most of their banking online and want to earn monthly cashback	A basic, free checking account with no monthly balance or other requirements
Minimum Opening Deposit	$50	$50	$50	$50
Monthly Service Fee²	$0	$15 To Avoid the Fee: Have $1,500+ direct deposit or $20,000 in combined balances in savings, checking, loans or credit cards	$0	$0
Interest	Yes¹ View Rates	Yes¹ View Rates	No	No
Cashback on Debit Card Purchases	No	No	Yes, up to $10.³ Learn How	No
Share Overdraft Transfer Fee Automatic transfer made from share savings when there are non-sufficient funds in your Ideal CU checking.	$6	$6	$6	$6
ATM Transactions⁴	Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction	Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction	Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction	Ideal ATMs - No fee Non-Ideal ATMs - $3.50 for withdrawals or balance inquiries
Check Printing⁵	Charge	2 free boxes per year - Limit 1 box per order	Charge	Charge
Statements	eStatements - No fee⁶ Paper Statements - $6	No fee	eStatements - No fee⁶ Paper Statements - $6	No fee
Ideal Debit Mastercard	No fee⁷	No fee	No fee⁷	No fee⁷
Check Copy Images	Free	Free	$3 in branch, Free using Ideal Digital Banking	$3 in branch, Free using Ideal Digital Banking
APY is Annual Percentage Yield. Rates subject to change at any time. Limit one account per Social Security Number. To earn higher interest rate member must: 1) be enrolled in eStatements, 2) have a minimum qualified $1,500 direct deposit of salary, pension, Social Security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by employer or an outside agency and 3) Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared within a given statement cycle (minimum $3.00 per purchase). Accounts closed within 6 months of opening incur a $25 fee. Inactive Account Fee: $5 per month for checking with $1,000 or less, no activity for 1 year and is over age 24. Monthly cashback bonus up to $10 is based on the total amount of net signature-based or PIN authorized Ideal Debit Mastercard® purchases made during any statement cycle. ATM transactions do not apply. Does not include other ATM owner fees i.e. surcharge fees. Waived for members 55+. Limit 1 box per order, 2 per calendar year. Member may receive a paper statement for first month. Inactive Debit Card Fee: $5 if not used minimum 1 time per month.

Ideal Checking Accounts

Convenience you expect — benefits you'll love

Find the right account for you

High Yield Checking

Relationship Checking

Cashback Checking

Free Checking

Compare Checking Accounts

Compare Checking Accounts

Get Started with Ideal Checking

Checking benefits