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
For members who carry higher balances and want to earn tiered interest on those balances. Learn more
For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more
A basic, free checking account with no monthly balance or other requirements. Learn more