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Checking Accounts

Momentum

InTouch Momentum Checking is one of our premium checking account options. ITCU Momentum account offers unlimited check writing as well as one free box of checks per year. The monthly service fee1 for this account includes the cost of many popular ITCU checking account benefits such as free InCompass (Personal Financial Management Tool) and free IDProtect™ (Identity Theft Protection)*.

This account earns dividends monthly, paid on the full balance, if the daily balance of greater than or equal to $1,500 is met. This account also features a Purchase Rebates program which provides a rebate of $.05 per debit card purchase greater than or equal to $25. There is maximum monthly rebate of $3 for InTouch Momentum Checking account.

This account has no monthly minimum balance requirements; however, there is a minimum $100 deposit to open one. InTouch Momentum Checking account holders are required to receive one ACH deposit (direct deposit) per month.

ITCU members have access to over 65,000 surcharge-free Non-ITCU ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, each ITCU account type has a limit on the number of monthly withdrawals that can be performed without an ITCU fee, at any ATM not owned by ITCU. Momentum Checking account holders receive up to four Non-ITCU ATM withdrawals per month without a fee from ITCU.1

The following services are included without additional charge, or are available to compliment the Momentum Checking Account:

Note: All costs to secure requests or costs associated with any of the requests are the responsibility of the member.


To make sure you pick the account that best suits your needs, please check out the checking comparison charts.

*Insurance product is not a deposit; not NCUA insured; not an obligation of the credit union; and not guaranteed by the credit union or any affiliated entity.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.
3 InCompass (PFM tool) may be purchased for $2 per month



Prime Checking

InTouch Prime Checking is our top-of-the-line checking account option. The Prime account offers unlimited check writing as well as two free boxes of checks per year. This account also features a Purchase Rebates program which provides a rebate of $.05 per debit card purchase greater than or equal to $25. There is maximum monthly rebate of $4 for each InTouch Prime Checking account.

InTouch Prime Checking features several premium account benefits, in addition to all benefits included with Momentum Checking, such as:
  • Free Apple Pay™ integration
  • Free InCompass (Personal Financial Management Tool)
  • Free Stop Payments
  • Free Paper Statements
  • Safe Deposit Box Discount on your first year
This account offers tiered rates and pays dividends monthly on the full balance. The tiers for the InTouch Prime Checking account are as follows:
  • $1,500 – $9,999.99
  • $10,000 – $49,999.99
  • $50,000 – $99,999.99
  • $100,000+
This account has no monthly minimum balance requirement; however, there is a minimum $100 deposit to open.

The monthly service fee1 on this account can be avoided by maintaining a household balance of combined deposit and loan balances greater than or equal to $20,000.

ITCU members have access to over 65,000 surcharge-free Non-ITCU ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, each ITCU account type has a limit on the number of monthly withdrawals that can be performed without an ITCU fee, at any ATM not owned by ITCU. Prime Checking account holders receive up to six Non-ITCU ATM withdrawals per month without a fee from ITCU.1

The following services are included at no additional charge, or are available to compliment the Prime Checking Account: To make sure you pick the account that best suits your needs, please check out the checking comparison charts.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.



E-ssential Checking

InTouch E-ssential Checking is designed for people who plan to perform most of their banking electronically both now and in the future. This account earns dividends monthly, paid on the full balance, if the daily balance of greater than or equal to $500 is met. This account also features a Purchase Rebates program which provides a rebate of $.05 per debit card purchase greater than or equal to $25. There is maximum monthly rebate of $2.50 for each E-ssential Checking account.

Due to the account’s electronic design, users are required to sign up for eStatements, eNewsletters and eNotices to avoid a terms of service fee1. Account holders are required to receive one or more direct deposits* totaling $50 or more per month in each E-ssential Checking account. InTouch E-ssential Checking account holders are limited to two physical checks paid per month without an additional per check fee. For each item paid after this limit is reached, there is a fee of $.50 per cleared check. If you are seeking a checking account with unlimited check writing, check out our InTouch Momentum or Prime Checking accounts.

E-ssential Checking has no monthly minimum balance requirements; however, there is a minimum $100 deposit to open.

ITCU members have access to over 65,000 surcharge-free Non-ITCU ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, each ITCU account type has a limit on the number of monthly withdrawals that can be performed without an ITCU fee, at any ATM not owned by ITCU. E-ssential Checking account holders receive up to four Non-ITCU ATM withdrawals per month without a fee from ITCU.1

The following services are included without additional charge, or are available to compliment the E-ssential Checking Account: To make sure you pick the account that best suits your needs, please check out the checking comparison charts.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.



Fresh Start Checking

Fresh Start Checking is the perfect second-chance opportunity for members who have had difficulty with a checking account in the past. A $5 dollar deposit into a savings account to establish membership (subject to approval) and a $50 deposit into the checking account is all that is needed to start over and enjoy the benefits of a checking account.

Members using Fresh Start Checking will enjoy unlimited check writing privileges, as well as access to the Shared Branching Network, including over 65,000 surcharge-free ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, each ITCU account type has a limit on the number of monthly withdrawals that can be performed without an ITCU fee, at any ATM not owned by ITCU. Fresh Start Checking account holders are allowed four Non-ITCU ATM withdrawals per month without a fee from ITCU.1

The following services are included without additional charge, or are available to compliment the Fresh Start Checking Account: To make sure you pick the account that best suits your needs, please check out the checking comparison charts.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.



Geared Up!

  • Savings and Checking accounts for Teens ages 13-17
  • Accounts may be opened with a $5 initial deposit, plus $5 for the Membership Savings Account.
  • Dividends, at a higher rate than a regular savings account, are paid starting at $5 or more.
  • No minimum deposit to open a checking account, no check clearing fees.
  • Open a Certificate Account with as little as $250, and receive higher than average dividends.
  • Debit card issued with checking accounts for 24/7 access.
  • Receive the Quarterly Geared Up! Newsletter


On My Own

  • Savings and Checking accounts for young adults ages 18-24
  • Accounts can be opened with as little as $5, plus $5 for the Membership Savings Account. Click here for our Online Membership Application
  • Dividends, at a higher rate than a regular savings account, are paid on a balance of $5 or more.
  • No minimum balance or monthly service fees on checking accounts.
  • No check clearing fees.
  • Debit card issued when a checking account is opened.
  • Certificates can be opened with just $250 or more, and receive a higher rate than regular CDs.
  • Stay financially savvy with the On My Own! Quarterly Newsletter