Momentum One / Plus Checking - InTouch Credit Union
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Momentum One and Momentum Plus Checking (No longer available*)

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Available Checking Account Options 

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* Please note that Momentum Checking options are no longer available for new accounts. Please consider Prime Checking for a checking account that includes these benefits and more. For all available checking account options, please click here.

At InTouch Credit Union, we offer checking accounts with the features that make your money work the way you want it to. Momentum One and Momentum Plus Checking are premium checking accounts that provide many benefits, all without a minimum account balance requirement. While both accounts have a monthly fee1, they are packed with money- and time-saving benefits. One fee this account doesn't have - like all ITCU checking accounts - is a Non-Sufficient Funds (NSF) Fee. That's a savings of up to $35 (or more) per item as compared to other financial institutions!

Personal Checking that Rewards You

Momentum One and Momentum Plus Checking give you access to services that few checking accounts can match.

Use $hopping Rewards™ to shop online, using our customized shopping portal, and receive cash back.2

Use the VIP Concierge Service to relieve the hassle and provide yourself with personal assistance with last-minute or emergency travel, flight changes and much more!3

Travel & Leisure Discount Membership - Money-saving discounts from thousands of local and national businesses.2

Access to a network of 5,500 shared branches and 30,000 surcharge-free ATMS to manage your account nationwide.

Earn dividends monthly, paid on the full balance, if the daily monthly balance is at least $1,000.00.

Get More Out of Your Checking Account!
Open Your Momentum Checking Account Today

Additional Benefits and Features

Open a Momentum One or Momentum Plus Checking with a $50.00 minimum deposit, and you open a world of Momentum Checking Account benefits:

  • Account Alerts (via Online Banking)
  • Bill Pay2 (via Online and Mobile Banking)
  • Courtesy Pay (Overdraft Protection)2
  • No Non-Sufficient Funds (NSF) Fees
  • Get paid up to 2 days early if set up for electronic deposit of payroll or government deposits

Compare Momentum One and Momentum Plus Checking

The difference between Momentum One and Momentum Plus is in the level of the primary benefits. Both come with the following benefits, but Plus offers more coverage for family members and higher level of waived ATM fees.

FeatureMomentum OneMomentum Plus
Cellular Telephone Protection5 Up to three devicesUp to four devices
IDProtect®5 (identity theft protection and restoration service) Account holdersAccount holders and eligible family members living at the same residence6
Non-ITCU ATM withdrawal fees waived.1
Up to fourUp to five

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Momentum Checking FAQ

Are there other checking accounts that pay dividends on balances?

InTouch also offers a High-Yield Checking account that pays the highest potential dividend rate of all ITCU checking accounts. Be sure you pick the account that best suits your needs by checking out 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 using our branch and ATM locator.

Three Ways to Open Your Account

1 Registration/activation required. Available online only.
2 See Retail Fee Schedule for fee and related disclosures.
3 Concierge service includes 24/7 services only. All costs to secure requests are the responsibility of the member.
4 Message and data rates may apply.
5 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.
6 Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.