Checking Accounts

Ideal Digital Banking

Manage it all — you're in control

Ideal Digital Banking is the combination of all the tools available to you, at no cost, to manage your money on your terms. So whether you're online at home or mobile and on the go, we've got you covered.

computer and phone

Monitor and manage

  • Check account, loan, and credit card balances
  • Receive free eStatements
  • View transactions and payment history
  • Transfer funds between accounts at Ideal CU and/or accounts elsewhere
  • Pay bills using one-time, scheduled or recurring payment options
  • Receive customized account notifications, link accounts elsewhere, create and track savings and/or budget goals and more

Enroll Now

woman on laptop

Transfer money

Transfer funds instantly between accounts at Ideal CU and at other financial institutions. Make one-time transfers on-the-spot, schedule them for a later time and/or set up recurring transfers so your money is always where you need it to be.

Learn more about transfers

father and baby on computer

Pay bills

Pay bills virtually anywhere. Make one-time payments or set up scheduled and/or recurring payments to go whenever you need them to. You can also check your payment history, receive eBills and more.

Learn more about bill pay

mobile check deposit

Deposit checks anywhere - no need for a branch visit

  • Deposit checks from anywhere using mobile check deposit in the Ideal Mobile Banking App
  • Take a photo, select the account to deposit the funds in and click submit — EASY
  • Funds deposited before 3:00 p.m. on business days are available that same day

Learn more about MCD

More Tools & Features

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 2020 through December 2020 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. See official rules.


Account Type Free Checking Relationship Checking Cashback Checking
Min. Opening Deposit $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 >
 Make an Appointment 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

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.

President's Day
Monday, February 17th
All locations closed.

Good Friday
Friday, April 10th
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 25th
All locations closed.

Independence Day
Saturday, July 4th
All locations closed.

Labor Day
Monday, September 7th
All locations closed.

Columbus Day
Monday, October 12th
All locations closed.

Veterans Day
Wednesday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 26th
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
Thursday, 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
Friday, December 25th
All locations closed.

New Year's Eve
Thursday, 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 (2021)
Friday, January 1st
All locations closed