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Checking Accounts

Spending money to make money can make sense. But not when it comes to checking accounts. That’s why we proudly offer free checking with no minimum balance or monthly service fees to worry about.

Step Up Free Checking

  • No minimum balance
  • No monthly service fee
  • Your choice of paper or electronic statements

Plus, we offer one box of checks free every 12 months for members 60 and over!

Step Up Checking

  • Higher tiered interest rate based on your balance
  • Competitive interest if balance falls below $1,500
  • Only $5 monthly charge if minimum balance falls below $1,500.00

Benefits Checking

Enjoy a wide range of added benefits and perks and save up to $293 per year or more!


Business Checking

Convenience and savings for business!


No more worrying about your statements getting lost or stolen in the mail or lying around in your mail box while your away on vacation. No more worrying about identity theft. You can now view your monthly statements online from the comfort of your home or office when it's convenient for you. And it's there when you need it at the beginning of the month. You must be enrolled in online banking to sign up for eStatements.

Direct Deposit

Bypass long payday lines by using direct deposit of your paycheck. Money goes directly into your checking account so you can start writing checks or access earnings using your ATM card. Don't waste time off work standing in line.

* Members in all checking account types are eligible for ATM or Debit Cards, pending approval of management.
** Home Banking is available with all types of checking accounts, but this service will become inactive if not used in a 6 month time frame.
*** Free bill pay available to compliment any IHCU checking account, but this service will become inactive if not used in a 90 day time period.
****e-Statements are available for all checking accounts, but are required for Free checking.

Credit/Debit Cards

All Credit Card issues:

ATM/Debit Card Service Center

Debit Card Activation:

Quick Links

Reorder Checks
Credit Card Access
File Upload Form
Wiring Instructions

Privacy Policy

American Share Insurance Logo

Your savings insured to $250,000 per account. This institution is not federally insured.

Financial Wellness

MoneyED: A Personal Finance Program

Trinity Debt Management