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Things are always changing at ITCU. What important info, deals or offers have you missed?
Learn More
From everyday banking to higher-earning rewards accounts, InTouch Credit Union makes it easy to find the checking account that fits your needs.
Whether you're looking for rewards, premium account benefits, higher dividend opportunities, or a great first account, compare our credit union checking account options below.
Best For: Maximizing earnings
Earn our highest checking dividends while enjoying rewards and additional member benefits.
Top Benefits
Best For: Premium benefits
Get rewards, dividends, and valuable protection features built into your checking account.
Top Benefits
Best For: Everyday banking
Everyday checking with rewards, convenience, and no monthly maintenance fee2.
Top Benefits
Best For: Getting started
A checking account designed to help younger members build confidence and smart money habits.
Top Benefits
| Feature | Value Rewards Checking | Prime Rewards Checking | High-Yield Rewards Checking |
|---|---|---|---|
| Electronic Deposits* Up to 2 Days Early | Yes | Yes | Yes |
| Non-Sufficient Funds (NSF) Fee | $0 | $0 | $0 |
| Free Identity Theft Protection Service | No | Yes1 | No |
| Free Paper Statements | No2 | Yes | No2 |
| Free Debit Card (1st order) | Yes | Yes | Yes |
| Free Money Management App | Yes | Yes | Yes |
| Free Basic Checks (annually) | No | 1 box | No |
| Minimum Required to Open | $50 | $50 | $50 |
| Monthly Service Fee2 | No | Yes | Yes |
| Minimum Balance to Avoid Monthly Service Fee | NA | Yes3 | NA |
| Minimum Average Daily Balance to Earn Dividends | NA | See Rates | See Rates |
| Pays Dividends | No | Yes | Yes |
| Free eStatements, eNotices & eNewsletters | Yes | Yes | Yes |
| Free Stop Payments | No | Yes | No |
| Safe Deposit Box 1st-Year Discount | No | Yes | No |
| Mobile Phone Protection4 | No | Yes | No |
Your ITCU debit card does more than make everyday purchases. With every qualifying swipe or tap, you'll earn uChoose Rewards®* points that can be redeemed for cash back, gift cards, merchandise, and even purchases on Amazon.com.
You can enroll through the link on this page or inside Digital Banking. Bonus points are also available when you shop directly through the uChoose Rewards site.
Enrollment is free but is required to redeem points.
(*uChoose Rewards is a registered trademark of Fiserv, Inc.)
Choose the account that fits your needs and start your application online today.
-or-
A checking account helps you handle everyday financial tasks while keeping your money accessible and secure.
A reward checking account offers value beyond basic transactions through rewards, dividends, and other account benefits.
A credit union checking account combines everyday banking convenience with rewarding account options, convenient digital tools, and benefits designed to help you get more from the way you bank.
Manage your money whenever and wherever it's convenient for you. ITCU’s Digital Banking tools (both online and mobile) make it easy to stay connected to your accounts, monitor activity, and handle everyday banking tasks on the go.
Whether you're opening your first checking account or looking for a checking account with modern digital banking tools, ITCU provides convenient access to the features members use every day.
What is a checking account?
A checking account is designed for everyday financial activities such as purchases, bill payments, direct deposits, ATM withdrawals, and digital banking. It provides convenient access to your money while helping you manage day-to-day spending and transactions.
A checking account allows you to deposit money and access it when you need it. You can use a debit card, online banking, mobile banking, checks, direct deposit, and ATM access to manage your finances and complete everyday transactions.
Opening a checking account typically requires a valid government-issued ID, basic personal information, and any applicable opening deposit. Additional requirements may vary depending on the account type and eligibility criteria.
Yes.
Eligible applicants can open an ITCU checking account online.
Simply choose the account that best fits your needs, complete the application,
and follow the steps provided to fund and activate your account.
A
rewards checking account offers additional value beyond everyday banking.
Depending on the account, rewards may include points on qualifying debit card
purchases, dividends, premium account benefits, or other perks designed to help
you get more from your banking relationship.
A
high-yield checking account provides the convenience of a traditional checking
account while offering the opportunity to earn higher dividends than many
standard checking options. Requirements may vary depending on the account and
qualification criteria.
Do checking accounts earn interest?
A
credit union checking account combines everyday banking convenience with a
member-focused approach. At ITCU, that means rewarding account options,
convenient digital banking tools, and benefits designed to help you get more
value from the way you bank.
The best checking account depends on your goals. Members looking for higher earnings often choose High-Yield Rewards Checking, while those seeking premium benefits may prefer Prime Rewards Checking. Value Rewards Checking is ideal for everyday banking, and Youth & Young Adult Checking is designed for members just getting started.
You can order checks for your ITCU account here. You can also log in to Digital Banking, visit any branch, give us a call at (800) 337-3328, or start a live chat below.
Knowledge is power, especially when it comes to finding the right checking account. Here are a few more resources to help you power up your checking account knowledge.
It’s easy to open a checking account conveniently from the comfort of your home!
Avoiding checking fees can be as simple as combining the right account and good financial habits.
*Electronic deposits include employer payroll or government (e.g., Social Security) electronic deposits. Bank transfers (e.g., account to account), ATM, and other electronic person-to-person transfers, do not qualify.
1See Prime Rewards descriptions for complete details and disclosures.
2See
Retail Fee Schedule for details
3The
monthly service fee will be charged if the account balance falls below the Minimum Average Combined household deposit and loan balance requirement of at least $20,000.
4For the period.
5Deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000.
