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An Account for All Stages of Life

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, higher-yielding dividends and more. 

No matter how busy your life is, conveniently access your checking account:

Best of all? All ITCU checking accounts have no NSF fees, and members 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 just as a customer but as a member-owner.

High-Yield Checking

Earn more with an account that pays the highest dividend rates of all ITCU checking accounts, uChoose Rewards (through use of an ITCU debit card) and allows you to take advantage of special premium rates on select Share Certificates of Deposits, too.

Learn More about High-Yield Checking

Prime Checking

Offers the best set of benefits, tiered monthly dividends, unlimited check writing, free paper statements, cell phone and identity theft protection, uChoose Rewards (through use of an ITCU debit card) and more when higher deposit and/or loan balances kept at ITCU.

Learn More about Prime Checking

Value Checking

Simple and straightforward, relax with an account providing the essentials and no monthly fee yet loaded with convenience and access to uChoose Rewards when an ITCU debit card is used for purchases.

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 find the checking account that best matches your needs.

Feature Value CheckingMomentum One Checking (No Longer Offered)
Momentum Plus Checking (No Longer Offered)
High-Yield Checking
Electronic Deposits* Up to 2 Days Early
Non-Sufficient Funds (NSF) Fee$0$0$0$0$0
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 (1st order)Yes Yes Yes Yes Yes
Free Money Management AppYes Yes Yes Yes Yes
Free Box of Basic Checks (annually)No1 1 No
Minimum Required to Open$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
Pays DividendsNAYesYesYesYes
Free eStatements, eNotices & eNewslettersYes Yes Yes Yes Yes
Free Stop Payments No No No Yes No
Safe Deposit Box 1st-Year DiscountNo No No Yes No
Mobile Phone 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. Bank transfers (i.e., account to account) do not qualify.

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.