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
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High Yield Checking
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For members who want to earn 4.00% APY* on balances up to $20,000. Learn more
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Relationship Checking
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For members who carry higher balances and want to earn tiered interest on those balances. Learn more
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Cashback Checking
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For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more
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Free Checking
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A basic, free checking account with no monthly balance or other requirements. Learn more