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Checking Accounts



Momentum

InTouch Momentum Checking is one of two premium checking account options we have to offer you. The Momentum account offers unlimited check writing and one free box of checks per year. The monthly service fee1 for this account includes, at no extra cost, many popular ITCU checking account benefits such as InCompass (a Personal Financial Management (PFM) program) and IDProtect™ (an identity theft protection program)*.

This account earns dividends monthly, paid on the full balance, if the daily monthly balance stays at, or above, $1,500. This account also features a purchase rebate of $0.05 for each debit card purchase of at least $25. The maximum Momentum monthly purchase rebate is $3.

Momentum has no monthly minimum balance requirement; however, there is a minimum $100 deposit to open it. The account is required to have at least one ACH deposit (direct deposit) each month.

With Momentum Checking, you will have access to over 30,000 surcharge-free non-ITCU ATMs across the country. Please note that while non-ITCU ATM owner surcharges can be avoided using surcharge-free ATMs, Momentum Checking provides up to four Non-ITCU ATM withdrawals per month without an InTouch Credit Union fee.1

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



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™*, 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 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. 


E-ssential Checking

InTouch E-ssential Checking is a great account if you do most of your banking electronically and don't need a lot of extra benefits. This account earns dividends monthly, paid on the full balance, if the daily balance for the full month is at least $500. E-ssential Checking is eligible for the debit card purchase rebate program, which pays $0.05 per debit card purchase greater than, or equal to, $25. The maximum monthly rebate you can earn is $2.50.

To avoid a monthly terms of service fee1,  you must enroll in eStatements, eNewsletters and eNotices. You must also have at least one direct deposit* totaling at least $50 post to each open E-ssential Checking account. With this account, you're also limited to two physical checks paid per month (clearing your account) without an additional per check processing fee. For each check paid during the same month after two, there is a fee of $0.50 per cleared check. If you are seeking a checking account with unlimited check writing, check out our InTouch Momentum or Prime Checking accounts instead.

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

With E-ssential Checking, you'll 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, E-ssential 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 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 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 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.
  • 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