Credit Union Checking Accounts
Personal checking that suits your lifestyle
IC Credit Union offers the seamless management of your daily finances with our personal checking accounts, including free Reward Checking and free Veteran Checking options. Enjoy the following free benefits that will enhance your banking experience:
- Mobile Check Deposit -Deposit checks conveniently using your mobile device, which eliminates the need to visit one of our branches.
- Mobile and Online Banking – Access your accounts anywhere, at any time, with online banking–giving you real-time account information, transaction capabilities, and the ultimate control over your accounts.
- Bill Pay – Paying a bill has never been easier with our free Bill Pay service, which allows you to schedule and manage payments with ease and gives you peace of mind.
- Text Alerts – Get up-to-date information on your account activity with customizable text alerts, providing you with real-time notifications for transactions, balances, and more.
- IC ATMs – Access the IC ATMs at no additional cost to you, ensuring cash withdrawals and account management at your convenience.
- Get paid up to two days early – Experience the convenience of getting your paycheck up to two days early, giving you faster access to your funds. Learn more.
Benefitting You—Personally
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 11/1/24 and are subject to change without notice.
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Checking Rates
| ACCOUNT NAME | DIVIDEND RATE | APY |
|---|---|---|
| Reward Checking ($0-$15,000) | 0.05% Base Rate + 0.45% Bonus Rate | 0.50% |
$5.00 minimum opening balance. *Fees may reduce earnings on applicable accounts. | ||
| Reward Checking ($15,000.01 and up) | 0.05% Base Rate + 0.20% Bonus Rate | 0.25% |
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. 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, 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 5/1/24 and are subject to change without notice. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($50 - $9,999.99) | 0.05% | 0.05% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($10,000 - $24,999.99) | 0.05% | 0.05% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($25,000 - $49,999.99) | 0.10% | 0.10% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Money Market ($50,000 & Over) | 0.10% | 0.10% |
Minimum of $50.00 to open and earn interest. *Fees may reduce earnings on applicable accounts. | ||
| Veteran Checking ($0-$15,000) | 0.05% Base Rate + 0.45% Bonus Rate | 0.50% |
$5.00 minimum opening balance. *Fees may reduce earnings on applicable accounts. | ||
| Veteran Checking ($15,000.01 and up) | 0.05% Base Rate + 0.20% Bonus Rate | 0.25% |
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. 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, 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 5/1/24 and are subject to change without notice. *Fees may reduce earnings on applicable accounts. | ||
APY = Annual Percentage Yield | ||
Personal Fee Schedule
Effective as of November 1, 2024
| OTHER SERVICES & CHARGES | |
|---|---|
| Excess Withdrawals: Reward Savings (Maximum: 2 in-branch withdrawals per statement cycle) | $10.00 per withdrawal |
| Stop Payment Request | $25.00 each |
| Account Activity Printout | $2.00 each |
| Check or Form Copy | $2.00 each |
| Foreign Check | $10.00 each |
| Research Fee / Reconciliation (1 hour minimum) | $20.00 per hour |
| Official Check - less than $1,000.00 | $3.00 each |
| Official Check - $1,000.00 and over | $5.00 each |
| Certified Check | $20.00 each |
| Wire Transfer - Domestic | $25.00 each |
| Wire Transfer - International | $50.00 each |
| Foreign Check Collection | $25.00 each |
| Returned Deposited Check | $15.00 each |
| IRA Annual Fee | $15.00 per year |
| VISA® Debit/Credit Card Replacement | $10.00 each |
| HELOC Card Foreign ATM Transaction Fee | $1.00 per transaction |
| VISA® Debit Card Foreign ATM Transaction | $1.00 per transaction |
| Credit Union Assisted Telephone Payments | $10.00 per payment |
| Statement Copy | $5.00 per statement plus research fee |
| Government Levy | $50.00 |
| Dormant Account | $5.00 per month |
| Temp Checks (minimum 4) | $0.50 each |
| New Account Early Closeout Fee | $10.00 |
| The following fees can be caused by checks, in-person withdrawals, ATM withdrawals, ACH, or other electronic means. Items may be presented for payment multiple times. IC Courtesy Pay Overdraft Fees may be assessed on items previously returned due to insufficient funds when those same items are presented and paid, if you have opted into the IC Courtesy Pay service. | |
| 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 Fee (Labeled on statement as Paid ACH EOD NSF Fee or Paid EOD NSF Fee for checks) | $30.00 per item |
| IC Courtesy Pay Overdraft Sweep (Labeled on statement as Overdraft Transfer Fee) | $15.00 per day |
