Checking Accounts

Ideal Checking Accounts

Ideal Credit Union Checking Accounts provide you the latest in convenience and account access.

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All Ideal Checking Accounts deliver the convenience you need

Expect convenience and access no matter which account you choose with these checking account must-haves:

  • Free Ideal Debit MasterCard®
  • Free Digital Banking and Mobile Banking App
  • Free Direct Deposit
  • Free monthly eStatements
  • Free Mobile Check Deposit
  • A huge nationwide ATM network

Plus Checking Account Add-Ons to help you live your ideal life


use and win promo image2

Use & Win Debit Giveaway*

How it works

Ideal Credit Union will be giving away $1,000 to one lucky winner each month in 2020. The key to your chance of winning is to have an Ideal Personal Checking Account and to use your Ideal Debit or My Rewards™ Debit Card for everyday purchases.

Every purchase made earns you an additional chance to win in that month's drawing! So the more you use your card, the more chances you'll have to win!

Learn More

Minimum $50 deposit required to open a personal checking account. Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 2020 through December 2020 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. See official rules.


Account Type Free Checking Relationship Checking Cashback Checking
Min. Opening Deposit $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 >
 Make an Appointment 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

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
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 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
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
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.

Christmas Day
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, 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 (2021)
Friday, January 1st
All locations closed