Checking Account

Ready to move up with us?

Open a checking account today!

Not just checking.

It's earning free money!

Questions?

Chat with one of our
checking account experts.

Free checking? Online Checking? Interest-earning checking?

Check, check and checks (if you want ‘em). Wherever you are on your financial journey, we’ll help you find the best checking account for your needs. Make managing your money even easier with our online banking, mobile app and on-the-spot debit card printing at our branches.

Ready to Move Up with us? Open a checking account today! Stop by any branch or apply online today.

Apply online

Checking Account Chart Comparison

See which checking account best fits your needs. Download checking comparison chart.

Minimum balance
Monthly fee
Dividends earned
Monthly Requirements
Overdraft Options
relationship-checking-comparison-min

Balance Builder Checking

None
None
3.00% APY¹
eStatements, 12 Visa debit card purchases, 1 ACH or direct deposit, Balance Builder Savings required
$7.50 transfer from account, per occurrence
checking-plus-comparison-min

Checking Plus

None
None
1.76% APY²
eStatements, 12 Visa Debit Card purchases, 1 ACH or direct deposit
$7.50 transfer from account, per occurrence
no-overdraft-chceking-comparison-min

No Overdraft Checking

None
None for 24 yrs old & younger; $7/month for 25 yrs old & above
None
None
None³
free-checking-comparison-min

Free Checking

None
None
None
None
$7.50 transfer from account, per occurrence

APY = Annual Percentage Yield.Courtesy Pay is not offered on No Overdraft Checking or to anyone under the age of 18.
Retail accounts only, no commercial or institutional funds permitted
Member savings account required to establish membership.
1 Must meet monthly requirements to earn qualified rate on balances up to $5,000 & ATM fee refunds (up to $15/mo), otherwise non-qualifying rate applies. Balances over $5,000 will earn 0.15% APY. Balance Builder Savings account required.
2 Must meet monthly requirements to earn qualified rate on balances up to $25,000 & ATM fee refunds (up to $25/mo), otherwise non-qualifying rate applies. Balances over $25,000 will earn non-qualified rate.
3 Does not apply to paper checks, ACH withdrawals or if online Bill Pay is used. Overdraft fees maybe assessed by the Credit Union and/or the Bill Pay provider.

Checking Account IHMVCU

Helpful calculators


  • How Much Am I Spending?
  • Balance Your Checkbook
  • Household Cash Flow Tracker
  • Spare Change
  • Calculate Your Net Worth
  • Save or Pay Off Debt
  • Keep Working or Stay at Home?
Close Window
Close Window

Third Party Disclaimer

By continuing you will be leaving the main IHMVCU website. Even though you may have clicked on a link that takes you to another company's site that we have partnered with, we are not responsible for the accuracy, security, or content of their website. We encourage you to view privacy and security disclosures of all websites you visit.

Continue to:

Thanks for signing up!

Subscribe to our mailing list

What's your age range?
What financial services are you interested in?
What would you like to know more about?
What are you saving for?
Are you an IHMVCU member?
Please also send me. . .

* Everything but your first name and email is optional