Checking accounts to fit your lifestyle
Ideal Credit Union has designed three unique checking options with your needs in mind. Choose the account that works for you and your finances.
Members who want a free, no frills account to conduct their daily transactions.
Members who keep a high balance and want to be rewarded for those balances by earning interest.*
Earn a monthly cash bonus** based on the amount of total signature-based transactions made with your Ideal Debit Card each month.
See checking account services and fees.
Features and benefits you'll love
No matter which account you choose, you're guaranteed the following features and benefits:
- Free Ideal Debit MasterCard®
- Access to a huge ATM Network
- Free Online & Mobile Banking
- Direct Deposit
- Free Paper Statements & eStatements
- And more!
*Annual Percentage Yields (APY) are subject to change. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis.
**You earn .25% cash back rewards based on the total amount of net signature-based Ideal Debit Card purchases made during the statement cycle. Qualifying purchases include all net signature-based purchases processed over the VISA network. Purchases authorized with a PIN or ATM transaction do not apply.