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Checking Accounts

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Does your checking account need a fresh start?

Ideal Credit Union has just what you need! From free to cashback, our checking account options can help you get more out of your day-to-day banking. Plus, each month we give away $1,000 to one lucky member just for using their free Ideal Debit Card. Open your account online or make an appointment today.

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Free Checking

An easy-to-manage free personal checking account

  • You'll get an Ideal Debit MasterCard®, access to Ideal's Digital Banking and Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge nationwide ATM Network
  • A monthly chance to win $1,000 (learn how)

Open an account

Learn more

Relationship Checking

A personal checking account that earns you tiered interest

  • Earn interest on the balances you keep in your account (view rates)
  • You'll get an Ideal Debit MasterCard®, access to Ideal's Digital Banking and Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge nationwide ATM Network
  • A monthly chance to win $1,000 (learn how)

Open an account

Learn more

Cashback Checking

A personal checking account that earns you cashback on purchases

  • Earn a monthly cashback bonus each month (see requirements)
  • You'll get an Ideal Debit MasterCard®, access to Ideal's Digital Banking and Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge nationwide ATM Network
  • A monthly chance to win $1,000 (learn how)

Open an account

Learn more

Student Checking

A personal checking account just for students

  • You'll get an Ideal Debit MasterCard®, access to Ideal's Digital Banking and Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge nationwide ATM Network
  • Part of the Ideal Student Product Suite

Open an account

Learn more

Pricing and account information

  • $50 minimum opening deposit for Ideal Checking Accounts

Other fees and information

See Ideal Credit Union's Fee Schedule (PDF). For more detailed information about Ideal Credit Union Deposit Accounts, see Ideal CU Member Account Agreement (PDF).

 

 

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 - 19 Holiday Hours

Martin Luther King Jr Day

Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
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 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
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
Tuesday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Wednesday, December 25th
All locations closed.


New Year's Eve
Tuesday, 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 (2020)
Wednesday, January 1st
All locations closed