Choose Your Checking - InTouch Credit Union
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Checking

Man daughter high five in kitchen

An Account for Every Lifestyle

Open Your Account Today

InTouch Credit Union offers a variety of checking accounts for all members at all stages of life, including accounts with no monthly fee, high-yield accounts and more. 

No matter where you are, conveniently access your checking account:

Best of all? All ITCU checking accounts have no NSF fees, and users get their direct deposits* up to two days early!

Compare features and open your account online or at one of our convenient locations.

Learn more about how to join ITCU as not only a member but an owner of a co-operative bank.

Momentum One & Momentum Plus Checking

Enjoy no minimum balance requirements with a premium checking account that rewards you with travel and leisure savings, monthly purchase rebates, shopping discounts and more.

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High-Yield Checking

Earn more with an account that pays the highest possible dividend rate and allows you take advantage of special premium rates on select Certificates of Deposits.

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Prime Checking

Offers tiered monthly dividends, all on top of the flexibility of unlimited check writing, free paper statements, cell phone protection and more.

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Value Checking

Simple and straightforward, relax with an easy account with the absolute essentials and no monthly fee yet loaded with convenience and confidence.

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Youth and Young Adult Checking

With financial education in mind, ITCU proudly presents three special youth and young adult programs to help our younger members learn how to manage money. It's never too early to get started!

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Compare Features and Choose Your Favorite


All InTouch checking accounts provide unbeatable value. The key is to find the account with the features and benefits that are valuable to YOU. Use this chart to compare our accounts and open the checking account that matches your needs most closely.

Feature Value CheckingMomentum One CheckingMomentum Plus CheckingPrime
Checking
High-Yield Checking
Electronic Deposits* Up to 2 Days Early
YesYes
Yes
Yes
Yes
Non-Sufficient Funds (NSF) Fee Now $0.00Yes
Yes
Yes
Yes
Yes
Max Debit Card Rebate1$2.50 $3.00 $3.50 $4.00 NA
Direct Deposit Required No No No No No
Free Identity Theft Protection Service No Yes2 Yes2 Yes2 No
Free non-ITCU ATM Transactions per Month3 2 4 5 6 4
Free ITCU ATM Transactions Yes Yes Yes Yes Yes
Free Paper Statements No3 No3 No3 Yes No3
Free Debit CardYes Yes Yes Yes Yes
Free PFM Money Management Tool Yes Yes Yes Yes Yes
Free Box of Basic Checks per Year No 1 1 NA
Unlimited Check Writing Yes Yes Yes Yes Yes
Minimum Required to Open Account $50 $50 $50 $50 $50
Monthly Service Fee3 No Yes Yes Yes Yes
Minimum Balance Required to Avoid Monthly Service Fee NA NA NA Yes4 NA
Tiered Rate Account No No No Yes Yes
Minimum Average Daily Balance to Earn Dividends NA $1,0005 $1,0005 See Rate Sheet NA
Dividends Frequency NA Monthly Monthly Monthly Monthly
Free eStatements, eNotices & eNewsletter Yes Yes Yes Yes Yes
Free Stop Payments No No No Yes No
Limits on Number of Withdrawals No No No No No
Overdraft Protection Available Yes Yes Yes Yes Yes
Discount on First Year’s Rent for a Safe Deposit Box No No No Yes No
Cellular Telephone Protection5 No Yes Yes Yes No
$hopping Rewards™5 No Yes Yes Yes No
Travel & Leisure Discount Membership5 No Yes Yes Yes No
VIP Concierge Services5 No Yes Yes Yes No

Three Ways to Open Your Account

*Electronic deposits include employer (or government) electronic payroll deposits.

1 Rebate of $0.05 for each debit card purchase greater than or equal to $25. Monthly maximum rebate is $2.50 for Value, $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).

5For the period.