Free Checking

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Free Checking that fits your life

Keep it simple, skip the monthly maintenance fees and still get the tools you need to manage your money. Ideal CU’s Free Checking gives you the flexibility and features you need, without the extra cost.

Open with a $50 minimum deposit, then maintain any balance you want
Pay bills, transfer money, monitor activity, set up budgets, track your finances and more through Digital Banking and our Mobile App that make money management effortless
Get paid up to two days early with Early Payday and Direct Deposit for faster access to your money
Sign up for Overdraft Protection to avoid declined transactions and costly fees

Unlock more benefits with Gold or Platinum Debit Cards.

Upgrading to Gold or Platinum earns cash back, and adds premium benefits that help you save more and enjoy rewards like shopping discounts, roadside service and more.

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Level up your finances - from your home or on-the-go

Digital Banking

Check your account balances anytime, anywhere

Transfer funds between Ideal CU or other banks

Monitor your budget and manage spending habits

Manage your debit cards easily with Card Controls

Chat with IDA for quick help by phone or online

Create and track your personal savings goals