A personal checking account that earns you tiered interest
Relationship Checking benefits
We've got you covered
- Earn interest on the balances you keep in your account (view rates)
- An Ideal CU Mastercard® Debit Card with Ideal CU Rewards.
- 24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more!
- Direct Deposit with Early Payday benefits.
- Access to a nationwide surcharge-free* ATM Network.
- Optional Overdraft Protection to cover purchases in the event you do not have a positive available balance in your account. Learn more and see disclosures.
- Optional Gold and Platinum Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
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Relationship Checking Rates
Rates as of:
| Interest Tiers | Interest Rate | APY1 |
|---|---|---|
| $0 - $1,999.99 | 0.00% | 0.00% |
| $2,000 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $19,999.99 | 0.05% | 0.05% |
| $20,000 - $49,999.99 | 0.05% | 0.05% |
| $50,000+ | 0.05% | 0.05% |
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Compare Checking Accounts
Compare Checking Accounts
| High Yield | Relationship | Cashback | Free | |
|---|---|---|---|---|
| Description |
A checking account for members who want to earn a higher yield on balances up to $20,000 |
A checking account for members who carry higher balances and want to earn tiered interest on those balances | A checking account for members who do most of their banking online and want to earn monthly cashback | A basic, free checking account with no monthly balance or other requirements |
| Minimum Opening Deposit | $50 | $50 | $50 | $50 |
| Monthly Service Fee2 |
$0 |
$15 To Avoid the Fee: Have $1,500+ direct deposit or $20,000 in combined balances in savings, checking, loans or credit cards
|
$0 | $0 |
| Interest |
Yes1 |
Yes1 |
No |
No |
| Cashback on Debit Card Purchases |
No | No |
Yes, up to $10.3 |
No |
| Share Overdraft Transfer Fee Automatic transfer made from share savings when there are non-sufficient funds in your Ideal CU checking. |
$6 | $6 | $6 | $6 |
| ATM Transactions4 | Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction |
Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction |
Ideal ATMs - No fee Non-Ideal ATMs - 5 free per month, $3.50 for each additional transaction |
Ideal ATMs - No fee Non-Ideal ATMs - $3.50 for withdrawals or balance inquiries |
| Check Printing5 | Charge | 2 free boxes per year - Limit 1 box per order | Charge | Charge |
| Statements | eStatements - No fee6 Paper Statements - $6 |
No fee | eStatements - No fee6 Paper Statements - $6 |
No fee |
| Ideal Debit Mastercard | No fee7 | No fee | No fee7 | No fee7 |
| Check Copy Images | Free | Free | $3 in branch, Free using Ideal Digital Banking | $3 in branch, Free using Ideal Digital Banking |
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