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Choose Your Checking

(Youth and Young Adult Checking and Savings information)

Feature Essential Checking Momentum Checking Prime Checking Fresh Start Checking
Debit Card Rebates4 Yes Yes Yes No
Direct Deposit Required Yes Yes No No
Free Identity Theft Protection Service No Yes Yes No
Free non-ITCU ATM Transactions 4 per month3 4 per month3 6 per month3 4 per month3
Free ITCU ATM Transactions Yes Yes Yes Yes
Free Paper Statements No3 – electronic only No3 Yes No3
Free Debit Card with Rewards Program Yes Yes Yes Yes
Free InCompass Budgeting Tool No3 Yes Yes No3
Free Basic Checks No 1 box per year 2 boxes per year No
Unlimited Check Writing 2 checks per month Yes Yes Yes
Minimum Required to Open Account $100 $100 $100 $50
Monthly Service Fee Yes3 Yes3 Yes3 Yes3
Minimum Balance Required to Avoid Monthly Service Fee None NA Average combined household deposit and loan balances of at least $20,0001 NA
Tiered Rate Account No No Yes No
Minimum Average Daily Balance to Earn Dividends $5002 $1,5002 See Rate Sheet for Tiers NA
Dividends Frequency Monthly Monthly Monthly NA
Free eStatements, eNotices & eNewsletter Yes Yes Yes Yes
Free Stop Payments No No Yes No
Limits on Number of Withdrawals No No No No
Overdraft Protection Available Yes Yes Yes No
Discount on First Year’s Rent for a Safe Deposit Box No No Yes No
Cellular Telephone Protection5
Yes Yes
$hopping Rewards™5
Theme Park & Movie Tickets discounts5
Travel Assistance and Concierge Services5

1 The monthly service fee will be charged if the account balance falls below the Minimum Average Combined household deposit and loan balance requirement.

2 For the period 

3 See Retail Fee Schedule for details 

4 Rebate of $0.05 for each debit card purchase greater than or equal to $25. Monthly maximum rebate is $2.50 for Essential, $3 for Momentum, and $4 for Prime.

5 See Momentum and Prime descriptions for complete details and disclosures.