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:
- An Ideal CU Debit Card with Ideal CU Rewards.
- 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 Gold and Platinum Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
Find the right account for you
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High Yield Checking
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For members who want to earn 5.00% APY* on balances up to $20,000. Learn more
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Relationship Checking
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For members who carry higher balances and want to earn tiered interest on those balances. Learn more
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Cashback Checking
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For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more
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Free Checking
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A basic, free checking account with no monthly balance or other requirements. Learn more
Compare Checking Accounts
Compare Checking Accounts
| High Yield | Relationship | Cashback | Free | |
|---|---|---|---|---|
| Description |
A checking account for members who want to earn a higher yield on balances up to $20,000 |
A checking account for members who carry higher balances and want to earn tiered interest on those balances | A checking account for members who do most of their banking online and want to earn monthly cashback | A basic, free checking account with no monthly balance or other requirements |
| Minimum Opening Deposit | $50 | $50 | $50 | $50 |
| Monthly Service Fee2 |
$0 |
$15 To Avoid the Fee: Have $1,500+ direct deposit or $20,000 in combined balances in savings, checking, loans or credit cards
|
$0 | $0 |
| Interest |
Yes1 |
Yes1 |
No |
No |
| Cashback on Debit Card Purchases |
No | No |
Yes, up to $10.3 |
No |
| Share Overdraft Transfer Fee Automatic transfer made from share savings when there are non-sufficient funds in your Ideal CU checking. |
$6 | $6 | $6 | $6 |
| ATM Transactions4 | Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction |
Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction |
Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction |
Ideal ATMs – No fee Non-Ideal ATMs $3.50 per transaction |
| Check Printing5 | Charge | 2 free boxes per year - Limit 1 box per order | Charge | Charge |
| Statements | eStatements - No fee6 Paper Statements - $6 |
No fee | eStatements - No fee6 Paper Statements - $6 |
No fee |
| Ideal Debit Card | No fee7 | No fee | No fee7 | No fee7 |
| Check Copy Images | Free | Free | $3 in branch, Free using Ideal Digital Banking | $3 in branch, Free using Ideal Digital Banking |
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