- 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 September 1, 2017 and are subject to change without notice.