Skip to main content

Checking Accounts



Momentum One and Momentum Plus Checking

Momentum One and Momentum Plus Checking are premium checking accounts that provide many of the same benefits as Prime Checking, but neither has a minimum account balance requirement. Both accounts have a monthly fee1; however, the following services are included or available, most without additional charge, to compliment both Momentum Checking Account options:

  • Apple Pay® and Masterpass™ digital wallets
  • Debit Mastercard®
  • MoneyLine (automated telephone banking)
  • eReceipts, eStatements, eNewsletters and eNotices.
  • ITCU ATM transactions
  • Online Banking
  • Personal Financial Management (PFM) app
  • Ampre debit card cash back offers program
  • Mobile Banking apps 2
  • Account Alerts (via Online Banking)
  • Bill Pay (via Online and Mobile Banking)
  • Courtesy Pay (Overdraft Protection)1
  • Popmoney® (Person to Person Payment Service via Online and Mobile Banking)1
  • Cellular Telephone Protection3 for up to three devices with Momentum One, and up to four devices for Momentum Plus.
  • $hopping Rewards™ - Shop online using our customized shopping portal and receive cash back (Registration/activation required. Available Online Only.)
  • Travel & Leisure Discount Membership - Money-saving discounts from thousands of local and national businesses (Registration/activation required. Available Online Only.)
  • VIP Concierge Service – Relieve the hassle and provide yourself with personal assistance with last-minute or emergency travel, flight changes and much more! (The above service includes 24/7 services only. All costs to secure requests are the responsibility of the member.)
  • IDProtect® 3 is an identity theft protection and restoration service. For Momentum One accounts, coverage is provided only to account holders; for Momentum Plus, coverage extends to eligible family members living at the same residence.*
Both of these accounts earn dividends monthly, paid on the full balance, if the daily monthly balance is at least $500, and both feature a purchase rebate of $0.05 for each debit card purchase of at least $25. The maximum Momentum One monthly purchase rebate is $3.00, while the maximum Momentum Plus rebate is $3.50.

There is a minimum $100 deposit to open either a Momentum One or Momentum Plus Checking.

Momentum One and Momentum Plus Checking give you access to over 30,000 surcharge-free non-ITCU ATMs across the country. Please note that while surcharges can be avoided using these ATMs, non-ITCU ATM withdrawal fees will apply after the following monthly limits have been reached: For Momentum One, up to four non-ITCU ATM withdrawals will be waived, and for Momentum Plus, up to five non-ITCU ATM withdrawals per month will be waived.1

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

*IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.



Prime Checking

InTouch Prime Checking is our premier checking account option. The Prime account offers unlimited check writing and two free boxes of checks, per year. This account also features a purchase rebate of $0.05 for each debit card purchase of at least $25. The maximum monthly Prime purchase rebate you can earn is $4.

Prime Checking includes all of the benefits of Momentum Checking, including ID Protect®*

for account owners and eligible family members 3, but also includes these services, too:

  • Free Stop Payments
  • Free Paper Statements
  • Safe Deposit Box discount on the first year rental fee
This account offers tiered rates and pays dividends monthly on the full balance. The tiers for the InTouch Prime Checking account are as follows (get current rates here):
  • $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 30,000 surcharge-free Non-ITCU ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, 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 complement the Prime Checking Account: To make sure you pick the account that best suits your needs, please check out the checking comparison chart.

* IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.
3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.



High-Yield Checking

High-Yield Checking (HYC) appeals to members who are primarily focused on only one particular checking feature - the highest possible dividend (interest) rate.

This minimum-frills checking account pays dividends based on your monthly net debit card spend - the more you use your debit card for purchases, the higher your dividend rate will be for the month. The actual spending tier you reach each month will determine the matching tier dividend rate used to calculate dividends on your average daily balance (ABD) for the month, up to the maximum "cap" balance, currently $30,000. See the monthly debit card spending tiers below. You can view rates here.

  • Tier 1: $750.01 - $1,500
  • Tier 2: $1,500.01 - $2,500
  • Tier 3: $2,500.01 - $5,000
  • Tier 4: $5,000.01+

You're in control of your dividend destiny - simply use your debit cards for purchases and expenses whenever you can to reach the highest possible spending tier each month. Use this convenient High-Yield Checking Monthly Debit Spend Calculator to help you determine which tier you may already qualify for, and which tier you may be able to reach by using your debit card more!

There is a minimum $100 deposit needed to open an account and a monthly fee will apply if debit card spending doesn't reach at least Tier 1 each month.

Like all ITCU checking accounts, you will have access to over 30,000 surcharge-free non-ITCU ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, High-Yield Checking account holders get up to four non-ITCU ATM withdrawals per month without a fee from ITCU.1

The following services are included or available, most of them without additional charge, to complement the High-Yield Checking Account:

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

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 and a $50 deposit into the checking account (both actions subject to approval) are all that are 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 30,000 surcharge-free ATMs across the country. Please note that while ATM owner surcharges can be avoided using surcharge-free ATMs, 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 or available, most without additional charge, to complement the Fresh Start Checking Account: To make sure you pick the account that best suits your needs, please check out the checking comparison chart.

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.
  • 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.
  • 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