Closing Notice

All IC Locations and our Service Center will be CLOSED on Thursday, Nov. 25th AND Friday, Nov. 26th for the Thanksgiving Holiday.

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Checking Accounts

Personal checking that suits your lifestyle

Our personal checking accounts, such as free Reward Checking or free Veteran Checking, make it easy for you to manage your daily finances. Plus, the following benefits come free of charge with your checking account:

  • Mobile Check Deposit
  • Free Mobile & Online Banking
  • Bill Pay
  • Text Alerts
  • IC ATMs
Personal Checking Account

Benefitting You—Personally

Earn 0.50% APY*
No monthly fees or minimum balance to earn Interest
ATM refunds of $15 per statement cycle

Disclosure: *Earn 0.50% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. Balances of $15,000.01 and over, after qualifying requirements are met, will earn .25% APY. The minimum amount to open Reward 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 $15 per statement cycle when qualifying requirements are met. If qualifying requirements are not met, the account will earn 0.05% APY, and ATM fees will not be refunded. Any non-refunded ATM fees may reduce earnings. Rates effective as of 10/1/21 and are subject to change without notice.

How to Get Started

Select an account type
Read and accept online disclosures and agreements
Make a $5.00 deposit and open your account

Or Contact Us

If you have any questions left

Main Office

300 Bemis Road, Fitchburg, MA 01420

Main Office (800) 262-1001

Get in touch with us

    Get the best rate for you

    Personal Fee Schedule

    Effective as of November 1, 2021

    Money Market Reg D Excess Transactions$10.00 per transaction
    Reward Savings - Excess Withdrawals (Maximum: 2 in branch withdrawals per statement cycle)$10.00 per withdrawal
    Stop Payments Placed$25.00 per order
    Account Activity Printout (branch)$2.00 each
    Check or Form Image$2.00 each
    Account Research / Reconciliation (1 hr. min)$20.00 per hour
    Official Check - less than $1,000.00$3.00 each
    Official Check - $1,000.00 and above$5.00 each
    Certified Check$20.00 each
    Wire Transfer - Domestic$25.00 each
    Wire Transfer - International$50.00 each
    Collection Item$25.00 each
    Returned Deposited Check$15.00 each
    Lost Passbook Replacement Fee$10.00
    IRA Annual Fee$15.00
    Lost Visa Check Card Replacement Fee$10.00
    HELOC Card Foreign ATM Transaction Fee$1.00 per transaction
    Visa® Debit Card Foreign ATM Transaction$1.00 per transaction
    Staff Assisted Telephone Loan Payments$10.00 each
    Statement Copy$5.00 per statement plus research fee
    Visa® Debit Card Foreign ATM Transaction$1.00 per transaction
    Staff Assisted Telephone Loan Payments$10.00 each
    Statement Copy$5.00 per statement plus research fee
    Government Levy (1 hour minimum)$50.00 per hour
    Dormant Account$5.00 per month
    Temp Checks (min 4)$0.50 each
    Cash Advance Fee (the greater of)$10.00 or 5%
    New Account Early Closeout$10.00
    The following fees can be caused by checks, in-person withdrawals, ATM withdrawals, ACH or other electronic means.
    Insufficient Funds Charge (NSF) (Labeled on statement as Return ACH Charge or Return Check NSF)$30.00 per item
    Uncollected Funds Charge$30.00 per item
    IC Courtesy Pay Overdraft Sweep$15.00 per day
    IC Courtesy Pay Overdraft Activated (labeled on statement EOD)$30.00 per item