Checking Account

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Free checking? Online Checking? Interest-earning checking?

Check, check and checks (if you want ‘em). Wherever you are on your financial journey, we’ll help you find the best checking account for your needs. Make managing your money even easier with our online banking, mobile app and on-the-spot debit card printing at our branches.

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Checking Account Chart Comparison

See which checking account best fits your needs. Download checking comparison chart.

Minimum balance
Monthly fee
Dividends earned
Monthly Requirements
Overdraft Options
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Balance Builder Checking

None
None
3.00% APY¹
eStatements, 12 Visa debit card or point of sale (POS) transactions, 1 ACH deposit or direct deposit
FREE transfer from savings or line of credit
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Checking Plus

None
None
1.76% APY²
eStatements, 12 Visa debit card or point of sale (POS) transactions, 1 ACH deposit or direct deposit
FREE transfer from savings or line of credit
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No Overdraft Checking

None
None for 24 yrs old & younger; $7/month for 25 yrs old & above
None
None
None³
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Free Checking

None
None
None
None
FREE transfer from savings or line of credit

APY = Annual Percentage Yield.Courtesy Pay is not offered on No Overdraft Checking or to anyone under the age of 18.
Retail accounts only, no commercial or institutional funds permitted
Member savings account required to establish membership.
1 Must meet monthly requirements to earn qualified rate on balances up to $5,000 & ATM fee refunds (up to $15/mo), otherwise non-qualifying rate applies. Balances over $5,000 will earn 0.15% APY. Balance Builder Savings account required.
2 Must meet monthly requirements to earn qualified rate on balances up to $25,000 & ATM fee refunds (up to $25/mo), otherwise non-qualifying rate applies. Balances over $25,000 will earn non-qualified rate.
3 Does not apply to paper checks, ACH withdrawals or if online Bill Pay is used. Overdraft fees maybe assessed by the Credit Union and/or the Bill Pay provider.

Checking Account IHMVCU

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