Checking Accounts

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:

Find the right account for you

Free Checking

A basic, free checking account with no monthly balance or other ­requirements. Learn more

Open an Account

Relationship Checking

For members who carry higher balances and want to earn tiered interest on those balances. Learn more

Open an Account

Cashback Checking

For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more

Open an Account

High Yield Checking

For members who want to earn 2.00% APY (Annual Percentage Yield) on balances up to $20,000. Learn more

Open an Account

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 1, 2021 through December 31, 2021 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. Ideal CU Student and Business Accounts are not eligible. Offer excludes Ideal Credit Union employees and accounts on which an employee is joint, Board of Directors and Supervisory Committee members of Ideal CU. 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

2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.

President's Day
Monday, February 15th
All locations closed.

Good Friday
Friday, April 12th
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 31st
All locations closed.

Independence Day
Sunday, July 4th
All locations closed.

Labor Day
Monday, September 6th
All locations closed.

Columbus Day
Monday, October 11th
All locations closed.

Veterans Day
Thursday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 25th
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
Friday, 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
Saturday, December 25th
All locations closed.

New Year's Eve
Friday, December 31st
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)
Saturday, January 1st
All locations closed