Free Checking

A simple checking account with ideal basic features

Ideal Free Checking is a simple, low maintenance checking account with great benefits like the Ideal Debit MasterCard® to use for everyday purchases and at the ATM. You'll also have total access to Ideal Digital Banking and the Ideal Mobile App, allowing you to manage your accounts, make transfers, pay bills, deposit checks and more.

Free Checking benefits

We've got you covered

Open an Account
Make an Appointment

Use & Win $1,000 Monthly  Giveaway


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

*APY is Annual Percentage Yield

Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 1, 2022 through December 31, 2022 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.