High-Yield Checking (HYC) - InTouch Credit Union
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High-Yield Checking (HYC)

Earn Higher Dividends with a HYC account!

Open Your Account Today


Looking to achieve the highest possible dividend (interest) rate? With minimum-frills, a High-Yield Checking (HYC) account pays dividends based on your net monthly debit card spend. The more you use your debit card for purchases, the highest your dividend rate will be for the month. Take advantage of interest rates that are well beyond what even the best savings accounts offer!

Two Ways to Earn More with High-Yield Checking

By opening a High-Yield Checking account with us, you unlock two unique features to increase the dividend rate you earn on your deposit balances!

The More You Use Your ITCU Debit Card, the Higher Your Dividend APY Will Be!

Want to make every purchase or bill payment work for you? When you use your HYC debit card, each qualifying payment goes towards helping you reach the next spending tier. The spending tier you reach each month will determine the dividend rate for the month, up to a maximum "cap" balance (currently $30,000.00).

Use our High-Yield Checking Monthly Debit Spend Calculator to see what tier you qualify for.

Please note, a monthly fee will apply if debit card spending does not reach at least Tier 1 each month; see Fee Schedule for additional information.

High-Yield Checking Deposit Certificates (CD) Provide Our Highest Dividend Rates

With your HYC Account, you can take advantage of account-exclusive, premium rates (over regular CD rates), on select HYC CD terms!

HYC CDs earn an additional 25 basis points over regular CD rates, while an HYC account is active and in good standing.*

For as little as $1,000.00, you can enjoy special CD offers on 3-, 6-, 12-, 24-, 36- and 60-mo. CD! Visit our All Rates page to see current rates.

*The HYC CD rate will be reduced to the equivalent regular CD term (at the time it was opened) if the HYC account is closed while the HYC CD is still open. Rates subject to change without notice. For CD rates and disclosures, visit our All Rates page.

Earn More With Your Checking Account!

Open Your High-Yield Checking Account Today

Additional Benefits for Even More Value from Your High-Yield Checking Account

The following are included or available (most of them without additional charges), to complement a High-Yield Checking Account:

  • Courtesy Pay1 (Overdraft Protection)1
  • No Non-Sufficient Funds (NSF) Fees
  • Get paid up to 2 days early if set up for electronic deposit of payroll or government deposits
  • Apple Pay®, Google PayTM and Samsung PayTM digital wallets
  • HYC Certificate of Deposit rate premium (scroll down for details)

High-Yield Checking FAQ

Are there other checking accounts that pay dividends on balances?

ITCU also offers the Prime checking account that pays tiered dividend rates based on your account balance rather than debit card use. Pick the account that best suits your needs by using our checking comparison chart.

Where are the 30,000 surcharge-free ATMs located?

The ATMs in the CO-OP network are located in all 50 states and 10 countries. The nearly 30,000 ATM network is larger than almost any bank network. You can find an ATM near you easily by using our branch and ATM locator.

Three Ways to Open Your Account

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.