A personal checking account that earns you tiered interest
Relationship Checking benefits
We've got you covered
- Earn interest on the balances you keep in your account (view rates)
- An Ideal CU Mastercard Debit Card plus a monthly chance to win in our $1,000 debit usage giveaway.
- 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 MyRewards™ Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
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Relationship Checking rates
Rates as of:
| Interest Tiers | Interest Rate | APY1 |
|---|---|---|
| $0 - $1,999.99 | 0.00% | 0.00% |
| $2,000 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $19,999.99 | 0.05% | 0.05% |
| $20,000 - $49,999.99 | 0.05% | 0.05% |
| $50,000+ | 0.15% | 0.15% |
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