- Earning 2.59% APY*
- FREE Mobile Check Deposit
- FREE Mobile & Online Banking
- FREE Bill Pay
- FREE Text Alerts
- NO Minimum Balance to Earn Interest
- NO Monthly Fees
- All IC ATMs are FREE
- ATM refunds of $5 per statement cycle
Disclosure: *Earn 2.59% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. Balances of $15,001 and over, after qualifying requirements are met, will earn .25% APY. Minimum amount to open Intelligent Checking is $5 and available for personal accounts only. Qualifying requirements must be met during each monthly statement cycle to earn APYs. Qualifying requirements are: 12 debit card purchases, e-statements, direct deposit or one ACH transaction per statement cycle. ATM fees will be refunded up to $5 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, account will earn 0.05% APY and ATM fees will not be refunded. No minimum balance is required to own this account. Rates effective as of 4/1/18 and are subject to change without notice.