when you open an IC Federal Credit Union
INTELLIGENT CHECKING ACCOUNT online

Limited time only. See terms and conditions

Intelligent Checking Benefits:

  • 2.59% APY Checking
  • FREE Chip Debit Card
  • NO Min. Balance Required
  • $5.00 ATM Fee Reimbursement
  • FREE Mobile App
  • FREE People Pay
  • FREE External Transfers
  • FREE Online Banking
  • FREE Bill Payer
  • FREE Apple PayTM
  • FREE Samsung PayTM
  • FREE Android PayTM


*Bonus Terms & Conditions: Open a new personal Intelligent Checking account online and receive a $250 bonus1 when the following criteria is met, during each of the first three (3) full statement cycles: complete 12 debit card purchases, have direct deposit or one (1) ACH transaction per statement cycle, and receive e-statements. IC’s intelligent Checking is an interest-bearing account which earns 2.59% Annual Percentage Yield (APY) on balances up to and including $15,000 when qualifying requirements are met. Balances after $15,001, will earn .25% APY after qualifying criteria is met. Open the account with as little as $5. 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. Any non-refunded ATM fees may reduce earnings.

1This offer is available for new accounts only and we may decline those who have had an Intelligent Checking account within the last 12 months. Offer is only available to persons in IC's Field of Membership, and cannot be combined with other offers. You must be 18 years or older to open an online account. This is a one-time bonus offer, per person, only. If qualifying criteria is met, the bonus will be credited to your account within 10 days after the third full statement cycle. A bonus is considered interest and therefore will be reported to the IRS on Form 1099-INT. Minimum monthly balance not required. Rates effective as of 7/1/19 and may change without notice. Offer may be withdrawn at any time; valid for online account opening only.

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