New here?

Open a Share Savings Account to become a member!

Open an Account Apply for a Loan Apply for a Mortgage
Already part of the Ideal CU Life?

Easily open additional accounts or apply for a loan.

Open an Account Apply for a Loan Apply for a Mortgage Make a Payment
Bank
Checking & Spending Savings Certificates (CDs) Student Accounts Bucky Bear Kids' Club Debit Cards Debit Rewards Individual Retirement Accounts (IRAs) Health Savings Accounts (HSAs)
Popular Requests
Bank
Business Checking & Spending Business Savings Business High Yield Money Market Business Certificates
Popular Requests
Plan & Invest
Our Team 401(k) & Retirement Investment Services Life & Long Term Care Guided Wealth Portfolios Digital Estate Planning Planning Process
Popular Requests
Learn
Seminars & Events
Popular Requests
Borrow
Business Loans & Lines of Credit SBA Loans Business Real Estate Loans Business Credit Card
Popular Requests
Borrow
Auto Loans Recreational Loans Mortgage Loans Personal Loans Home Improvement Loans Home Equity Line of Credit Credit Cards CU Rewards Program
Popular Requests
Services
Business Digital Banking Business ACH Merchant Card Services ADP Payroll Processing
Popular Requests
Learn
The IDA Insider Events & Workshops Security Center Business Member Spotlight Business Financial Wellness
Popular Requests
Manage
Digital Banking Ideal Digital Assistant Wire Transfers Voice ID Direct Deposit Credit Score Card Management Loan Management Loan Payment Protection Safe Deposit Boxes
Popular Requests
Learn
The IDA Insider Seminars & Workshops Security Center Financial Wellness Center Calculators
Popular Requests

Frequently Asked Questions

Card Management

In the mobile app, go to More and select Transfer.
On desktop, select Transfer, then choose Make a transfer.

Choose the account you want to pay from and your credit card as the payment destination. Select Last Statement Balance, set the frequency to Monthly, and choose a payment date. Many members select the 13th in case the 14th falls on a weekend or holiday. Set the series end date to Never and add an optional memo if you’d like.

Log in to Digital Banking, go to Tools > Manage Debit Card, select your card, and click any transaction for details.

During business hours, type “Agent” for help. After hours, call 1-800-449-7728. You can also send a Secure Message in Digital Banking under Tools > Message Center.

Mobile:

  1. Log into Ideal CU App
  2. Select More, then Account and Credit Cards
  3. Your recent transaction history will appear

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Credit Card from the Accounts Menu
  3. Your recent transaction history will appear

Mobile:

  1. Log into Ideal CU App
  2. Select More, then Account and Credit Cards
  3. Click on Statements

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Credit Card from the Accounts Menu
  3. Click on Statements

Mobile:

  1. Log into Ideal CU App
  2. Select More, then Account and Credit Cards
  3. Click on Statements
  4. Click on eStatement Enrollment
  5. Download PDF
  6. Enter Confirmation Code > Click Next
  7. Verify Email > Click Next
  8. Accept Terms & Conditions > Click Submit

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Credit Card from the Accounts Menu
  3. Click on Statements
  4. Click on eStatement Enrollment
  5. Download PDF
  6. Enter Confirmation Code > Click Next
  7. Verify Email > Click Next
  8. Accept Terms & Conditions > Click Submit

Mobile:

  1. Log into Ideal CU App and Select More
  2. Select Tools and then Manage Credit Card
  3. Select the Card you wish to manage
  4. Click on Alerts and Controls
  5. Click on Manage Card Controls
  6. Select Control (Locations, Transaction Limits, Transaction Types) and Follow Prompts

Desktop:

  1. Log into Ideal Digital Banking on desktop
  2. Select Manage Credit Cards from Tools Menu
  3. Select the card you wish to manage
  4. Click on Alerts and Controls
  5. Click on Manage Card Controls
  6. Select Control (Locations, Transaction Limits, Transaction Types) and Follow Prompts

Mobile:

  1. Log into Ideal CU App and Select More
  2. Select Accounts and then Credit Cards
  3. Under Rewards, Click on Points
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Desktop

  1. Log into Ideal Digital Banking on desktop
  2. Select Account and then Credit Cards
  3. Under Rewards, Click on Points
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Mobile:

  1. Log into Ideal CU App and Select More
  2. Select Accounts and then Credit Cards
  3. Under Rewards, Click on Dollar Amount
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Desktop:

  1. Log into Ideal Digital Banking
  2. Select Credit Cards from Accounts Menu
  3. Under Rewards, Click on Dollar Amount
  4. Click on Redeem > You will be redirected to an external site
  5. Select Redeem in menu and follow prompts

Certificates

Yes. For terms over 12 months, the penalty is the lesser of 180 days’ interest or total interest earned. For terms of 12 months or less, it’s the lesser of 90 days’ interest or total interest earned.

Visit our rates page to view current CD, loan and deposit rates (idealcu.com/rates).

You have a 7-day grace period after maturity to make changes, deposit or withdraw funds or close the account.

About 15–30 minutes.

We’ll send you a written notice at least 25 days before the maturity date.

The rate in effect on the day you open the account.

CDs renew automatically at maturity. If you want to make changes, call us at 651-770-7000 or schedule an appointment.

Interest begins the day you open the account.

Digital Banking

On our homepage, select “Forgot Username” under the login box. Answer the validation questions and follow the on-screen instructions.

Go to our homepage and select “Forgot Password” under the login box. Agree to the disclosure, answer a few questions and choose how to receive your temporary password - by text or email. Then follow the steps to reset it.

Call us at 651-770-7000 during business hours (Mon–Fri 8:00 a.m.–5:00 p.m., Sat 9:00 a.m.–12:00 p.m.) or send a secure message through Digital Banking.

During business hours, click “Get help now,” call 651-770-7000 or visit a branch. We are available to help Mon–Fri 8:00 a.m.–5:00 p.m., Sat 9:00 a.m.–12:00 p.m.

Check your delivery settings:

  • For SMS, confirm you’re enrolled. Log in, go to Tools > Settings > Contact, and look for the SMS box next to your number. If it’s missing, click the pencil icon to enroll.
  • For voice delivery, confirm your phone number is correct under Tools > Settings > Contact. Update if needed.

Go to idealcu.com, click “Log in” at the top right, and select Register under “New to digital banking?” Follow the steps to enroll.

IDA

Currently, IDA understands and responds in English.

Yes. IDA will always attempt to authenticate you first. If unsuccessful, she’ll transfer you to a live agent during business hours. After hours, IDA can’t provide account-specific details without verification.

To give members quick, efficient help 24/7. IDA answers general questions anytime.

Yes. IDA uses advanced encryption and our team monitors for security risks.

No - IDA is available 24/7.

No. IDA is a free service for Ideal CU members.

  • Windows® 7 or higher
  • Mac® OSX 10.12 or higher
  • Chrome™ 68+, Safari® 12+, Firefox™ 62+, Edge™ 15.15063+

Yes. IDA can guide you to the online membership application.

It depends on your request. IDA may ask for details or authentication questions.

IDA can connect you to the right department but can’t give status updates yet.

Yes. During business hours, you can call or chat with a Contact Center representative.

  • Checking balances and transaction history
  • Making online payments
  • Transferring funds

Yes! IDA will gain new features and improvements in the coming months.

Yes. IDA can answer basic questions and send responses by text.

IDA is designed to answer a wide range of questions accurately and is always learning to serve members better.

Voice ID

Voice ID is as convenient as using your fingerprint to unlock your phone. It allows you to identify yourself quickly and securely when calling the Contact Center.

No, it cannot be stolen because it is not a recording of your voice. A voiceprint is a mathematical representation of the biometric and behavioral features of your voice - a series of numbers that cannot be used to reconstruct your actual voice. This makes it secure and resistant to hacking.

A voiceprint is a set of unique traits derived from your voice pattern, created using over 100 physical and behavioral characteristics, such as pitch, accent and the shape and size of your vocal tract. This ensures that your voiceprint is as unique as a fingerprint.

You don’t need to take any extra steps. The next time you call the Contact Center, your voiceprint will be securely created while we assist you.

Biometrics may fail if you’re attempting to log in to a joint account. Each account can only be tied to one biometric identifier, such as Face ID, fingerprint or Voice ID.

Yes, you can opt out at any time. Voice ID is designed to streamline and secure your experience, but if you prefer not to use it, alternative authentication methods will be available.

In most cases, yes. Minor changes caused by a cold or illness typically won’t affect Voice ID. In rare instances where verification is unsuccessful, we will use alternative methods to verify your identity until your voice returns to normal.

Absolutely. Voice ID is a highly secure method for verifying your identity over the phone. It employs advanced biometric technology to ensure that only you can access your account. Additionally, the chat version of IDA (our Intelligent Digital Assistant) uses the same authentication as our digital banking systems for added security.

Voice ID analyzes over 100 unique voice characteristics, making it highly resistant to mimicry or voice imitation.

Voice ID is as secure as other biometrics like fingerprints and Face ID, with the added convenience of hands-free operation over the phone.

Voice ID is designed to work effectively even in noisy environments, though it’s best to call from a quiet location for optimal accuracy.

If Voice ID is unavailable or unsuccessful, alternative authentication methods will always be offered to ensure you can access your account securely.

Zelle

Send money only to people you know and trust - family, friends or familiar service providers. Avoid sending to strangers or for online purchases.

If you’re already enrolled with Zelle®, you’re all set - the money will go straight into your account, usually within minutes.

Not enrolled yet? Follow these steps:

  1. Click the link in the payment notification you received by email or text
  2. Select Ideal Credit Union
  3. Follow the instructions to enroll and receive your payment

Make sure you enroll using the same email or mobile number where you got the notification.

Yes. We use the same security technology for Zelle® and Mobile Check Deposit as we do for your accounts.

You can send, request or receive money with Zelle®. To get started:

  1. Log in to the Ideal CU Digital Banking App
  2. Go to Message Center under Tools
  3. Compose a new message and select “Request Zelle® Service”
  4. Answer the questions and send
  5. Once enrolled, sending money is easy - enter your recipient’s email or U.S. mobile number, the amount and hit Send. Most transfers arrive in minutes.

They must be enrolled through a participating bank or credit union. Check the list at Zellepay.com. If they’re not listed, use another payment method.

No. Both accounts must be based in the U.S.

Zelle® payments can’t be reversed. You can only cancel if the recipient hasn’t enrolled yet. To check, go to your activity page, select the payment, and choose “Cancel This Payment.” If that option isn’t available, contact us right away.

Once the recipient is enrolled, the money goes directly to their account and can’t be canceled. Always send money only to people you know and trust, and double-check the email or mobile number before sending.

No fees from Ideal CU. Your mobile carrier’s data rates may apply.

Send limits vary by financial institution. Call us at 651-770-7000 to check your limit.

There’s no limit on how much you can receive, but the sender may have limits set by their bank.

Not yet. The Zelle® QR code feature isn’t available at Ideal Credit Union.

Call our support team at 651-770-7000 right away. Some imposter scams may qualify for reimbursement.

No. Zelle® does not provide purchase protection for payments.