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Ideal Checking

Find your ideal Checking

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Personal Accounts

Checking Accounts

Checking accounts to fit your lifestyle

Ideal Credit Union has designed three unique checking options with your needs in mind. Choose the account that works for you and your finances.

Account Options

Free Checking

Members who want a free, no frills account to conduct their daily transactions.

Relationship Checking

Members who keep a high balance and want to be rewarded for those balances by earning interest.*

Cashback Checking

Earn a monthly cash bonus** based on the amount of total signature-based transactions made with your Ideal Debit Card each month.

See checking account services and fees.


Features and benefits you'll love

No matter which account you choose, you're guaranteed the following features and benefits:

  • Free Ideal Debit MasterCard®
  • Access to a huge ATM Network
  • Free Online & Mobile Banking
  • Direct Deposit
  • Free Paper Statements & eStatements
  • And more!

*Annual Percentage Yields (APY) are subject to change. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis.

**You earn .25% cash back rewards based on the total amount of net signature-based Ideal Debit Card purchases made during the statement cycle. Qualifying purchases include all net signature-based purchases processed over the VISA network. Purchases authorized with a PIN or ATM transaction do not apply.

 

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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 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 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


Special Checking Offer

Take home a free gift when you open your Ideal Checking in-person at any branch. Learn How