Checking Accounts

Checking Accounts

Spending money to make money can make sense. But not when it comes to checking accounts. That’s why we proudly offer Kasasa® — free checking accounts that reward you, with no minimum balance or monthly service fees to worry about. We also offer a few other accounts, depending on your needs.

Take a look at some of the features of our Checking Accounts to see which one is best for you:

Kasasa_Cash_ProductImage_A_vertFree Kasasa Cash®

Free checking that pays high dividends

  • 2.75% APY* on balances up to $10,000
  • 0.03% APY* if qualifications aren’t met
  • Refunds on ATM fees, nationwide*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free electronic services
  • $25 minimum deposit to open

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Free Kasasa Cash Back®Kasasa_CashBack_ProductImage_A_vert

Free checking that pays you back

  • 3.50% cash back on check card purchases*
  • Earn up to $7 cash back per month*
  • Refunds on ATM fees, nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free electronic services
  • $25 minimum deposit to open

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Free Kasasa Tunes®Kasasa_Tunes_ProductImage_A_vert

Free checking that pays you to shop online

  • Earn $7 in refunds for iTunes®, Amazon.com®, or Google Play™ purchases each month*
  • Get $25 in refunds for iTunes, Amazon or Google Play purchases when you open your account*
  • Refunds on ATM fees, nationwide*
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free electronic services
  • $25 minimum deposit to open

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Fresh Start**

  • No dividends
  • Low initial minimum deposit of $25
  • $5 monthly fee
  • Free bill pay available***
  • e-Statements available****

Free Checking

  • No dividends
  • No monthly fee
  • Low initial minimum deposit of $25
  • Free bill pay available***
  • e-Statements required****

Classic Checking**

  • Dividends earned on balances greater than $500
  • Low initial minimum deposit of $25
  • $5 monthly fee – unless member maintains a minimum monthly balance of $100 or maintains a balance of $1500 or more in combined IHCU accounts, excluding checking
  • Free bill pay available***
  • e-Statements available****

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

eStatements

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. Click here to enroll!

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.

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* 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.