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Love Ideal Checking

Checking Accounts

Ideal Checking brings you the best in convenience and perks. Right now you could get a free gift* plus have a monthly chance to win $1,000!**

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Checking Accounts

Ideal Checking

You'll Love Ideal Checking

Convenience services you need

Ideal Checking brings you the best in convenience and perks.

  • No minimum balance
  • Online and Mobile Banking
  • Ideal EMV MasterCard® Debit Card
  • Access to a huge ATM Network and MUCH more!

Minimum $50 deposit required to open a personal checking account.

Open an Account

Plus your chance to win $1,000 each month**

Every time you use your Ideal Debit or Debit Rewards Card for qualifying purchases you’ll earn one entry into that month’s $1,000 drawing! The more you use your card, the more chances you have of winning! A new winner is drawn each month beginning January 2018 through December 2018.

Learn More

Take Home A Free Gift*

Stop by any Ideal Credit Union branch to open your new Ideal Checking Account and you’ll receive a Copper Non-Stick Pizza Pan.* Now your pizza will have that crispy crust certain foodies in your family are asking for.

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*Minimum $50 deposit required to open a personal checking account. To receive the free gift, the new personal checking account must be opened in-person at an Ideal Credit Union branch (accounts opened online are not eligible for free gift). Free Gift Offer is available to individuals without an Ideal Credit Union personal checking account in the last 90 days. Free Gift offer available while supplies last. Excludes student, employee and business accounts.

**Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 2018 through December 2018 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. Must be member in good standing and have not caused a loss to Ideal Credit Union.

Open an Account

 

Account Type Free Checking Relationship Checking Cashback Checking Student Checking
Min. Opening Deposit $50 $50 $50  $50
Earns Interest (see tiers)      
Earns Cash Back2        
Free Ideal Debit Card 1 1
Online, Mobile Banking & Bill Pay  
ATM Access  
Optional Overdraft Protection    
Monthly Chance to Win $1,000 >
Must be 18+ 
 Make an Appointment Open Open Open  Open

1. Inactive Ideal Debit Card Fee is $4.00 if card is not used at least once per month.
2. Cash back to qualified members every time you swipe and sign. To qualify you need a minimum $200 direct deposit, one online bill payment, 5 debit card signature purchases and estatements. Monthly Cashback bonus of .25% is based on the total amount of net signature-based Ideal Debit Card purchases made during any statement cycle. Purchases authorized with a PIN or ATM transactions do not apply.

See Fees & Services

2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed