Momentum One / Plus Checking - InTouch Credit Union
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Momentum One and Momentum Plus Checking

At InTouch Credit Union, we offer checking accounts with the features that make your money work for you the way you want it to. Momentum One and Momentum Plus Checking are premium checking accounts that provide a wide variety of benefits, but without a minimum account balance requirement. Both accounts have a monthly fee1; however, the following services are included or available, most without additional charge, to complement both accounts.

Momentum One and Momentum Plus Checking give members access to plenty of premier checking benefits.

Open a Momentum One or Momentum Plus Checking with a $100 minimum deposit, and you open a world of Momentum Checking Account options:

Personal Checking that Rewards You

Momentum One and Momentum Plus Checking give you access to services that few checking accounts can match. Use $hopping Rewards™ to shop online, using our customized shopping portal, and receive cash back (Registration/activation required. Available Online Only.)

You will also be able to use your Travel & Leisure Discount Membership - Money-saving discounts from thousands of local and national businesses (Registration/activation required. Available Online Only.)

And when you travel, you may find the available VIP Concierge Service very helpful. 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.)

Momentum One and Momentum Plus Checking also 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 account-specific monthly limits have been reached.

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.

Compare Momentum One and Momentum Plus Checking


Momentum One

Momentum Plus

Cellular Telephone Protection3

Up to three devices

Up to four devices


(identity theft protection and restoration service)

Account holders

Account holders and eligible family members living at the same residence*

Non-ITCU ATM withdrawals waived.1

Up to four

Up to five

Monthly purchase rebate



Open Yours Today!

Frequently Asked Questions

Q. Are there other checking accounts that pay dividends on balances?

InTouch also offers a high-yield checking account that pays the highest potential dividend rate of all ITCU checking accounts. Be sure you pick the account that best suits your needs by checking out our checking comparison chart.

Q. Where are the 30,000 surcharge-free ATMs located?

The ATMs in the CO-OP network are located in all 50 states and 10 countries. The nearly 30,000 ATM network is larger than almost any bank network. You can find an ATM near you easily using our branch and ATM locator (link:

*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.