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.
Premium checking accounts that reward you with cell phone protection, monthly purchase rebates, shopping discounts and more.
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.
Tiered monthly dividends and one free box of checks per year are just the beginning with our premier checking option.
Checking accounts designed to help teens learn to manage their money and provide young adults a path to transition to independence.
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 Checking | Momentum One Checking | Momentum Plus Checking | Prime Checking | High-Yield Checking |
|---|---|---|---|---|---|
| Electronic Deposits* Up to 2 Days Early | Yes | Yes | Yes | Yes | Yes |
| Non-Sufficient Funds (NSF) Fee Now $0.00 | Yes | 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 Card | Yes | Yes | Yes | Yes | Yes |
| Free PFM Money Management Tool | Yes | Yes | Yes | Yes | Yes |
| Free Box of Basic Checks per Year | No | 1 | 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 |
*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.
