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Choose Your Checking


(Youth and Young Adult Checking and Savings information)

Feature Momentum One Checking
Momentum Plus Checking Prime
Checking
High-Yield Checking Fresh Start Checking 
Max Debit Card Rebate1 $3.00 $3.50
$4.00 NA NA
Direct Deposit Required No No No No No
Free Identity Theft Protection Service Yes2 Yes2 Yes No No
Free non-ITCU ATM Transactions per Month3
4 5 6 4 4
Free ITCU ATM Transactions Yes Yes Yes Yes Yes
Free Paper Statements No3
No3 Yes No No3
Free Debit Card with Rewards Program Yes Yes Yes Yes Yes
Free PFM Trends Tool Yes Yes Yes Yes Yes
Free Box of Basic Checks per Year
1 1 2 NA NA
Unlimited Check Writing Yes Yes Yes Yes Yes
Minimum Required to Open Account $100 $100 $100 $100 $50
Monthly Service Fee3 Yes Yes Yes Yes Yes
Minimum Balance Required to Avoid Monthly Service Fee NA NA Yes4 NA NA
Tiered Rate Account No No Yes Yes No
Minimum Average Daily Balance to Earn Dividends $5005 $5005 See Rate Sheet NA NA
Dividends Frequency Monthly Monthly Monthly Monthly NA
Free eStatements, eNotices & eNewsletter Yes Yes Yes Yes Yes
Free Stop Payments No No Yes No No
Limits on Number of Withdrawals No No No No No
Overdraft Protection Available Yes Yes Yes Yes
No
Discount on First Year’s Rent for a Safe Deposit Box No No Yes No No
Cellular Telephone Protection2
Yes
Yes Yes
No No
$hopping Rewards™2
Yes
Yes
Yes
No No
Travel & Leisure Discount Membership2
Yes
Yes
Yes
No No
VIP Concierge Services2
Yes
Yes
Yes
No No

1 Rebate of $0.05 for each debit card purchase greater than or equal to $25. Monthly maximum rebate is $2.50 for E-ssential, $3.00 for Momentum One, $3.50 for Momentum Plus and $4.00 Prime.

2 See Momentum One, Momentum Plus and Prime descriptions for complete details and disclosures.

3 See Retail Fee Schedule for details 

4 The monthly service fee will be charged if the account balance falls below the Minimum Average Combined household deposit and loan balance requirement (average combined household deposit and loan balances of at least $20,000).

5 For the period.