A personal checking account that earns you tiered interest
Relationship Checking benefits
We've got you covered
- Earn interest on the balances you keep in your account (view rates)
- An Ideal CU Mastercard Debit Card plus a monthly chance to win in our $1,000 debit usage giveaway.
- 24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more!
- Direct Deposit with Early Payday benefits.
- Access to a nationwide surcharge-free* ATM Network.
- 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.
|Interest Tiers||Interest Rate||APY1|
|$0 - $1,999.99||0.00%||0.00%|
|$2,000 - $9,999.99||0.05%||0.05%|
|$10,000 - $19,999.99||0.05%||0.05%|
|$20,000 - $49,999.99||0.05%||0.05%|