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Online Banking

Which Fee Free Checking Account is right for me?

 

Checking Account Types

Platinum CheckingClassic Checking


Dollars & Sense 
Checking

Ages 13-17

Elite Checking 

Ages 18-23

OPEN AN ACCOUNT
OPEN AN ACCOUNT
OPEN AN ACCOUNT
OPEN AN ACCOUNT
$0 Annual FeeComes with this accountComes with this accountComes with this accountComes with this account
Loan DiscountsComes with this accountNot offered with this accountNot offered with this accountComes with this account
FREE ATM Debit CardComes with this accountComes with this accountComes with this accountComes with this account
Over 30,000 FREE ATMs NationwideComes with this accountComes with this accountComes with this accountComes with this account
ATM Fee Refunds**Comes with this accountNot offered with this accountComes with this accountComes with this account
Free Mobile & Online BankingComes with this accountComes with this accountComes with this accountComes with this account
Free Remote Check DepositsComes with this accountNot offered with this accountComes with this accountComes with this account
Free Funds Transfers^Comes with this accountNot offered with this accountComes with this accountComes with this account
Access to Platinum Money Market Comes with this accountNot offered with this accountNot offered with this accountComes with this account
 Access to Greenlight on usComes with this accountComes with this accountComes with this accountComes with this account


**Up to $25 a month
^Overnight or rush fees may apply to transfers.


Platinum Checking

  • $0 Annual fees – Open Platinum Checking today for a FEE FREE experience
  • Keep your documents safe with a $10 discount on all Safety Deposit boxes
  • Access to our High-Rate Platinum Money Market Accounts – Save more on your dollar with Platinum benefits
  • Free ATM Fee reimbursements**
  • Free Remote Deposit – easily deposit checks on the go from the mobile app
  • Free Billpay, Transfers^
  • Easily qualify TODAY: Simply set up direct deposit and e-statements
  • Free Debit Card – 24/7 access to your funds
  • Discounts on Loans
    • Mortgage closing costs discount
    • New loan rate discounts - see a loan officer for more details!

Open An Account


**Up to $25 a month

**You must submit the form during the month that you had ATM fees. Once accepted, your reimbursement will be deposited in your checking account on the 1st day of the next month.

^Overnight or rush fees may apply to funds transfers.


Classic Checking

  • $0 Annual fees – Open Classic Checking today for a FEE FREE experience
  • No minimum balances, no requirement
  • Free Debit Card – 24/7 access to your funds
  • Free online and mobile banking – easily monitor your finances

Open An Account


Dollars and Sense Checking

  • Exclusive to students ages 13-17 – only young individuals qualify
  • $0 Annual fees – Open Dollars and Sense Checking today for a FEE FREE experience
  • Exclusive investment opportunities start as low as $500.
  • Over 30,000 Free ATMs nationwide & Free ATM Fee reimbursements** – Easy access to your funds
  • Free Remote Deposit – easily deposit checks on the go from the mobile app
  • Free Billpay, Transfers^
  • Free Debit Card – 24/7 access to your funds

Open An Account

Elite Checking

  • Exclusive to young adults 18-23 – only young individuals qualify
  • No monthly/annual fees
  • Over 30,000 Free ATMs nationwide & Free ATM Fee reimbursements** – Easy access to your funds
  • Start building credit with the low-interest rate for a car loan.
  • Exclusive investment opportunities start as low as $500.
  • Access to Secure VISA credit card
  • Deposit checks from anywhere at any time with free unlimited Remote Deposit Capture.
  • Free Billpay, Transfers^
  • Free Debit Card – 24/7 access to your funds

Open An Account


**Up to $25 a month

**You must submit the form during the month that you had ATM fees. Once accepted, your reimbursement will be deposited in your checking account on the 1st day of the next month.

^Overnight or rush fees may apply to funds transfers.

Setting up Direct Deposit

To set up Direct Deposit, you will need your IAACU Routing Number – 271176116, and your IAACU MICR (account) Number – found online and in mobile banking, or at on the bottom of your checks. 

To find your MICR (account) Number online or in mobile banking, click or tap on your account and then click or tap on “Details” or “Account Details”

Located at the bottom of your check, the account number follows the routing number and may be preceded by several zeros. Do not include any spaces or dashes when entering your MICR number.

Your money is SAFE with IAACU!

NCUA: Member accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund, an arm of the National Credit Union Administration. NCUA is an independent agency of the United States Government. Individual Retirement Accounts are insured separately up to $250,000. NCUA Share Insurance Estimator.

ESI: An additional $250,000 is insured by the Excess Share Insurance (ESI), a private insurance company.

This is not an application for mortgage.  Mortgage prequalification helps to determine if you meet the minimum requirements for a loan and how much home you can afford.  If the qualifications are met for the purchase price and loan terms you have listed you will be presented a pre-approval letter.  If you’re confident in your finances and are ready to apply now, you should complete a full application instead.

Continue to Pre-Qualify Now