Ideal Checking Accounts
Ideal Credit Union Checking Accounts provide you the latest in convenience and account access.
- Free Checking Account: A basic, free checking account with no monthly balance or other requirements. Learn more
- Relationship Checking Account: For members who carry higher balances and want to earn tiered interest on those balances. Learn more
- Cashback Checking Account: For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more
- High Yield Checking Account: For members who want to earn 2.00% APY (Annual Percentage Yield) on balances up to $20,000. Learn more
All Ideal Checking Accounts deliver the convenience you need
Expect convenience and access no matter which account you choose with these checking account must-haves:
- Free Ideal Debit MasterCard®
- Free Digital Banking and Mobile Banking App
- Free Direct Deposit
- Free monthly eStatements
- Free Mobile Check Deposit
- A huge nationwide ATM network
Plus Checking Account Add-Ons to help you live your ideal life
- 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 MyRewards™ Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
Use & Win Debit Giveaway*
How it works
Ideal Credit Union will be giving away $1,000 to one lucky winner each month in 2020. The key to your chance of winning is to have an Ideal Personal Checking Account and to use your Ideal Debit or My Rewards™ Debit Card for everyday purchases.
Every purchase made earns you an additional chance to win in that month's drawing! So the more you use your card, the more chances you'll have to win!