Choose Your Checking - InTouch Credit Union
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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, shopping discounts and more.

Learn More about Momentum One & Momentum Plus Checking

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.

Learn More about High-Yield Checking

Prime Checking

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

Learn More about Prime Checking

Value Checking

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

Learn More about Value Checking

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!

Learn More 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$0$0$0$0$0
Direct Deposit Required No No No No No
Free Identity Theft Protection Service No Yes1 Yes1 Yes1 No
Free non-ITCU ATM Transactions per Month2 2 4 5 6 4
Free ITCU ATM Transactions Yes Yes Yes Yes Yes
Free Paper Statements No2 No2 No2 Yes No2
Free Debit Card (original order)Yes Yes Yes Yes Yes
Free Money Management AppYes Yes Yes Yes Yes
Free Box of Basic Checks (annually)No1 1 No
Unlimited Check WritingYes Yes Yes Yes Yes
Minimum Required to Open Account $50 $50 $50 $50 $50
Monthly Service Fee2 No Yes Yes Yes Yes
Minimum Balance to Avoid Monthly Service Fee NA NA NA Yes3 NA
Tiered DividendsNo No No Yes Yes
Minimum Average Daily Balance to Earn Dividends NA $1,0004 $1,0004 See Rate Sheet NA
Dividend Posting Frequency NA Monthly Monthly Monthly Monthly
Free eStatements, eNotices & eNewsletter Yes Yes Yes Yes Yes
Free Stop Payments No No No Yes No
Withdrawal LimitsNo No No No No
Overdraft Protection Available Yes Yes Yes Yes Yes
Safe Deposit Box First Year Rent DiscountNo No No Yes No
Cellular Telephone Protection4 No Yes Yes Yes No
$hopping Rewards™4 No Yes Yes Yes No
Travel & Leisure Discount Membership4 No Yes Yes Yes No
VIP Concierge Services4 No Yes Yes Yes No

Three Ways to Open Your Account

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

1See  Momentum One, Momentum Plus and Prime 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 (average combined household deposit and loan balances of at least $20,000).

4For the period.