Relationship Checking

Open an Account Make an Appointment

Turn everyday banking into an Ideal partnership

When you’re all in with Ideal CU, Relationship Checking gives back. Add more accounts, unlock more value. Hit a $2,000 balance and start earning interest while enjoying extra perks that fit your lifestyle.

Upgrade to our Gold or Platinum Debit Cards to enjoy premium perks and rewards typically reserved for credit cards
Pay bills, transfer money, monitor activity, set up budgets, track your finances and more through Digital Banking and our Mobile App to simplify your money management
Get paid up to two days early with Early Payday and Direct Deposit for faster access to your money
Sign up for Overdraft Protection to help avoid declined transactions and keep your purchases moving smoothly

Effective Date: June 12, 2026
Balance	Interest Rate	APY*
$0 - $1,999.99	0.00%	0.00%
$2,000.00 - $9,999.99	0.05%	0.05%
$10,000.00 - $19,999.99	0.05%	0.05%
$20,000.00 - $49,999.99	0.05%	0.05%
$50,000.00+	0.05%	0.05%

Level up your finances - from your home or on-the-go

Digital Banking

Check your account balances anytime, anywhere

Transfer funds between Ideal CU or other banks

Monitor your budget and manage spending habits

Manage your debit cards easily with Card Controls

Chat with IDA for quick help by phone or online

Create and track your personal savings goals

Disclaimers

¹Annual Percentage Yields (APYs) are subject to change.

Relationship Checking monthly service fee of $15. To avoid the fee: Have $1,500+ direct deposit or $20,000 in combined balances in savings, checking, loans or credit cards

Relationship Checking

Turn everyday banking into an Ideal partnership

Relationship Checking Rates