Credit Union Checking Accounts

Personal checking that suits your lifestyle

IC Credit Union checking accounts are designed to help you manage your daily finances with features like mobile banking, bill pay, early direct deposit, and account alerts, including free Reward Checking and Veteran Checking options.

  • Mobile Check Deposit -Deposit checks conveniently using your mobile device, which eliminates the need to visit one of our branches.
  • Mobile and Online Banking – Access your accounts anywhere, at any time, with online banking–giving you real-time account information, transaction capabilities, and the ultimate control over your accounts. Learn more.
  • Bill Pay – Paying a bill has never been easier with our free Bill Pay service, which allows you to schedule and manage payments with ease and gives you peace of mind.
  • Text Alerts – Get up-to-date information on your account activity with customizable text alerts, providing you with real-time notifications for transactions, balances, and more.
  • IC ATMs – Access the IC ATMs at no additional cost to you, ensuring cash withdrawals and account management at your convenience. IC Credit Union ATMs can be accessed at each branch location:

  • Get paid up to two days early – Experience the convenience of getting your paycheck up to two days early, giving you faster access to your funds. Learn more.
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Checking Account FAQs

What should I look for in a checking account if I use it for bills, direct deposit, and everyday spending?

Look for a checking account that makes everyday banking simple and convenient. We offer both interest-bearing and non-interest-bearing checking accounts, all with a debit card that can be added to your digital wallet for easy purchases. All accounts are also eligible for direct deposit up to 2 days early and include free Bill Pay to help you manage your monthly expenses.

What do I usually need to open a checking account?

You will need a valid, unexpired government-issued photo ID, a second form of identification with your name on it (such as a credit card, debit card, or health insurance card), and the minimum opening deposit required for each share account being opened. Please refer to the product details on our website for minimum opening deposit requirements.

If you have moved since your primary ID was issued, please bring proof of your current address, such as a utility bill or vehicle registration. Additional proof of address may be required in certain situations.

For additional requirements, please contact our Service Center team.

How can checking account fees or balance requirements affect how I use the account?

Our checking accounts do not have monthly maintenance fees. However, certain transactions may incur fees, so we recommend reviewing our Personal Fee Schedule for details. To help avoid unexpected fees or account disruptions, we encourage you to regularly monitor your available balance and account activity using our convenient IC Mobile Banking app.