Where convenience meets flexibility

Ideal Credit Union provides a range of checking options to help simplify your life and help you meet your financial goals.

Convenient Checking Account Services
Online Services
Overdraft Privilege
Free Checking Free Gift Special
Reorder Checks

 Free CheckingRelationship CheckingCashback Checking
Ideal ForMembers who want a free, no frills account to conduct transactions

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Members who keep a high balance and want to be rewarded for those balances with cost-savings advantages
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Members who use their debit card frequently and do most of their banking electronically

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Minimum Opening Deposit$50$50$50
Monthly Service Fee9$0

No fee with $750 minimum monthly Direct Deposit or $10,000 in combined balances in the following Ideal CU accounts:

  • Savings
  • Checking
  • Loans
  • Visa and/or Mortgage
Otherwise $10 per month
$0
InterestN/A

Interest Tiers 1
$2,000 - $9,999.99
$10,000 - $19,999.99
$20,000 - $49,999.99
$50,000 +

View Current Rates

N/A
Cashback on Debit Card PurchasesN/AN/ACash back to qualified members every time you swipe and sign.7 It’s easy to qualify – each month you need a minimum $200 direct deposit, one online bill payment, 5 debit card signature purchases and estatements.
Assisted Transfer Fee - Funds transferred within the same member number into your checking account by a Ideal CU Representative on your behalf$5Combine balances of $10,000 or more - Free
Combined balances under $10,000 - $5
$5
Branch/Contact Center TransactionsFREEFREE$56
ATM Access2

FREE Ideal CU ATMs
$3 for non-Ideal CU ATM withdrawals and balance inquiries

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FREE Ideal CU ATMs
Balances over $10,000 - Unlimited Free Usage
Balances under $10,000 - 10 FREE non-Ideal CU ATM transactions per month, $3 for each additional withdrawal or balance inquiry

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FREE Ideal CU ATMs
10 FREE non-Ideal CU ATM transactions per month, $3 for each additional withdrawal or balance inquiry

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Monthly StatementseStatements4 & Paper statements -FREEeStatements4 & Paper statements -FREEeStatements4 - FREE
Paper statements -$5 per month
Bill PayFREEFREEFREE
Mobile BankingFREEFREEFREE
Check PrintingCharges apply32 FREE boxes of CU designed checks
per calendar year
Charges Apply3
MasterCard® Cash & Check Card (Debit card)FREE5FREEFREE5
Check Copy Images$2 (Free through Ideal CU Online Banking)FREE$2 (Free through Ideal CU Online Banking)
Overdraft Transfer Fee - Automatic transfer made from Share Savings when there are non-sufficient funds in your Ideal CU Checking$5$5$5
Overdraft Line of Credit Annual Fee$20Free$20
Other Benefits
  • Direct Deposit with Early Payday8
  • 24/7 account access via Ideal CU Online, Mobile, Text & Phone Banking
  • Free Travelers Checks, Cashiers Checks and Money Order
  • Direct Deposit with Early Payday8
  • 24/7 account access via Ideal CU Online, Mobile, Text & Phone Banking
  • Direct Deposit with Early Payday8
  • 24/7 account access via Ideal CU Online, Mobile, Text & Phone Banking

1. Annual Percentage Yields (APYs) are subject to change. 2. Does not include other ATM Owner fees i.e. surcharge fees. 3. Charge waived for members 55 and older, limit one box per order, two boxes per calendar year. 4. May receive paper statement for first month. 5. Inactive ATM/Cash & Check Card fee is $3.00 if card is not used at least once per month. 6. No fee for deposits. 7. Monthly Cashback bonus of .25% is based on the total amount of net signature-based Ideal CU Cash & Check Card purchases made during any statement cycle. Purchases authorized with a PIN or ATM transactions do not apply. 8. Early payday is dependent upon when the payroll company and/or government sends the funds and for that reason is not guaranteed. 9. Inactive Account Fee - $5 per month if member has checking only with $1,000 or less, there is no activity for 1 year, and member is over age 24.