Choose Your Checking - InTouch Credit Union
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Choose Your Checking Account

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Checking Account Options for Every Lifestyle

Open Your Account Today

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

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.


Momentum One and Momentum Plus Checking

Premium checking accounts that reward you with cell phone protection, monthly purchase rebates, shopping discounts and more.

Momentum Checking Details

High-Yield Checking

This checking account pays dividends based on your monthly net debit card spending - the more you use your debit card for purchases, the higher your dividend rate will be for the month.

High-Yield Checking Details

Value Checking

Basic checking with no monthly fee yet loaded with convenience.

Value Checking Details

Prime Checking

Tiered monthly dividends and one free box of checks per year are just the beginning with our premier checking option.

Prime Checking Details

Youth and Young Adult Checking

Checking accounts designed to help teens learn to manage their money and provide young adults a path to transition to independence.

Learn About Youth and Young Adult Checking

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
High-Yield Checking
Electronic Deposits* Up to 2 Days Early
Non-Sufficient Funds (NSF) Fee Now $0.00Yes
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.