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Checking Accounts

Checking for the ideal life
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Personal checking for the ideal life

Pricing and account information

Minimum opening deposit for Ideal Checking Accounts

  • $50

Other fees and information

See Ideal Credit Union's Fee Schedule (PDF). For more detailed information about Ideal Credit Union Deposit Accounts, see Ideal CU Member Account Agreement (PDF).

You'll get an Ideal Debit MasterCard® , access to Ideal's Digital Banking and Mobile App with Mobile Check Deposit, bill pay services and more

Open a checking account

Checking benefits

 

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 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
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