High Yield Checking

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A checking option that helps you build wealth? That seems ideal.

High Yield Checking doesn't need any hype. The simple facts are the selling point. You can earn 5.00% APY* on balances up to $20,000. Over the course of a year, that can put hundreds of extra dollars in your pocket. How can you earn top dollar? Just take a few simple steps.

Have a minimum monthly Direct Deposit of at least $1,500¹
Make 20 monthly debit card purchases²
Enroll in eStatements³
There's no monthly fee or minimum balance requirement

Other features

There's no monthly fee or minimum balance requirement

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

Upgrade to our Gold or Platinum Debit Cards to enjoy premium perks and rewards typically reserved for credit cards

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

Disclaimers

*APY = Annual Percentage Yield. Rates subject to change at any time.
Minimum $50 deposit required to open account. Required monthly criteria to earn 5.00% APY includes: 1.) Have a minimum qualified $1,500 direct deposit of salary, pension, Social Security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by employer or an outside agency. 2.) Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared within a given statement cycle (minimum $3.00 per purchase). 3.) Be enrolled in eStatements. Rates subject to change at any time. Accounts closed within 6 months of opening incur a $25.00 fee.