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Checking Accounts

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:

Find the right account for you

Free Checking

A basic, free checking account with no monthly balance or other ­requirements. Learn more

Open an Account

Relationship Checking

For members who carry higher balances and want to earn tiered interest on those balances. Learn more

Open an Account

Cashback Checking

For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more

Open an Account

High Yield Checking

For members who want to earn 2.00% APY (Annual Percentage Yield) on balances up to $20,000. Learn more

Open an Account

Minimum $50 deposit required to open a personal checking account.

Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 1, 2021 through December 31, 2021 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. Must be member in good standing and have not caused a loss to Ideal Credit Union. Ideal CU Student and Business Accounts are not eligible. Offer excludes Ideal Credit Union employees and accounts on which an employee is joint, Board of Directors and Supervisory Committee members of Ideal CU. See official rules.