Prime Checking - InTouch Credit Union
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Prime Checking

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The High-Dividend Checking Account with Benefits!

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InTouch Prime Checking is our premier checking account option. If you are looking for a checking account with a higher dividend-earning potential and a full slate of benefits, too, this is the account for you!

Prime Checking: The Ultimate Checking Account When You Want It All!

The Prime Checking account offers you the best combination of dividend earning and included features at no extra cost. 

Unlimited check writing and one free box of checks per year.

Includes IDProtect®* for account owners and eligible family members.3

Free paper statements and free stop payments. Plus, a safe deposit box discount on the first-year rental fee.

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

There is a minimum $50.00 deposit to open a Prime Checking Account. Minimum combined balance totals required to avoid a monthly fee. See Fee Schedule

Prime Checking!

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Financial Benefits of Prime Checking

Prime Checking rewards members that maintain higher total loan and deposit balances.

Tiered Dividend Rates

Prime Checking account offers tiered rates and pays dividends monthly on the full checking account balance. See tiers below (Click here to see current rates):

  • $1,500.00 – $9,999.99
  • $10,000.00 – $49,999.99
  • $50,000.00 – $99,999.99
  • $100,000.00+

Waived Service Fee

Keeping higher total loan and deposit balances earn accountholders yet another reward. The monthly service fee1 on the Prime Checking account is waived when your combined average deposits and month-end loan balances are at least $20,000.00.

While there is a minimum $50.00 deposit to open a Prime Checking account, it has no monthly minimum balance requirement.

Start enjoying Prime Checking!

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Easy Access to Your Money

When you are traveling, or just out and about at home, cash should be easily accessible. Prime Checking account holders receive up to six Non-ITCU ATM withdrawals per month without an ITCU fee.1 You also have access to over 30,000 surcharge-free Non-ITCU ATMs across the country saving you the fee charged by the owner of the ATM. All and all, the benefits of Prime Checking are hard to beat no matter who you compare them against!

Compare InTouch Checking Accounts 

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Prime Checking is just one of the many checking account options offered by InTouch. From youth and young adult accounts to Prime accounts with rewards to High Yield Checking (HYC) options, InTouch has an account for just about any preference. Compare our accounts and find the best fit for you.

Additional Features and Benefits For Even More From Prime Checking

The following benefits and features are available to provide you even more value from a Prime Checking Account:

  • 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® and Google PayTM digital wallets
  • Debit Mastercard® and uChoose Rewards® (earn points and redeem for cash back!)
  • eStatements, eNewsletters and eNotices.
  • No fee for ITCU ATM transactions
  • Free Online Banking and Bill Pay 1
  • Personal Financial Management (PFM) app
  • Mobile Banking apps 2
  • Account Alerts (via Online Banking)
  • Courtesy Pay (Overdraft Protection)1
  • Cell Phone Protection3 - Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Please refer to your Guide to Benefits for additional details regarding eligibility, terms and exclusions.)
  • $hopping Rewards™- Shop online using our customized shopping portal and receive cash back (Registration/activation required. Available Online Only.)
  • Travel & Leisure Discount Membership - Money-saving discounts from thousands of local and national businesses (Registration/activation required. Available Online Only.)
  • VIP Concierge Service – Relieve the hassle and provide yourself with personal assistance with last-minute or emergency travel, flight changes and much more! (The above service includes 24/7 services only. All costs to secure requests are the responsibility of the member.)

Three Ways to Open Your Account

* 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.

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.
3 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.