Checking Accounts

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.



No minimum balance

No monthly fee

No dividends

No monthly requirements

Overdraft option: $7.50 transfer from another account, per occurrence

Open a Free Checking



No minimum balance

Monthly fee: none for 24 yrs old & younger; $7/month for 25 yrs. old & above

No dividends

No monthly requirements

No overdraft option available for this account****

Open a No Overdraft Checking



No minimum balance

No monthly fee

Earn dividends***

Requirements: eStatements, 12 Visa Debit Card purchases/month, 1 ACH or direct deposit

Overdraft option: $7.50 transfer from another account, per occurrence

Open a Checking Plus




Minimum loan and/or deposit balance of $10,000 per account

Monthly fee of $12.50 if below minimum

Maintain minimum balance stated above to earn dividends

Requirement: maintain minimum balance stated above

Overdraft option: $7.50 transfer from another account, per occurrence

Open a Relationship Checking


General benefits include:

Visa Debit Card, Mobile Banking, Online Branch, Bill Pay, eStatements, Phone Branch, Mobile Check Deposit, Unlimited check writing (No Overdraft Checking excluded), Free IHMVCU checks for 55+ (No Overdraft Checking excluded)**, Courtesy Pay (No Overdraft Checking excluded)****

Get Started


Checking Account IHMVCU

More tools for tracking your account

With Alerts from IHMVCU powered by Visa, you can receive near real-time updates on your Visa® card activity. So you can act quickly to help reduce fraud and monitor your account, wherever you are. It's free for IHMVCU Visa® cardholders. Sign up at


Whether you're focused on maintaining commercial growth or your small business is just starting up, we'll help you find the right business checking for your needs. Learn more about business banking with IHMVCU.


Helpful calculators

  • Keep Working or Stay at Home?
  • Save or Pay Off Debt
  • Calculate Your Net Worth
  • Spare Change
  • Household Cash Flow Tracker
  • Balance Your Checkbook
  • How Much Am I Spending?
Terms and conditions subject to change.
**Standard checks, one box per order, limit two per year.
***Must meet monthly requirements to earn qualified rate and ATM fee refunds (up to $25/month). Otherwise a non-qualifying rate will apply. Qualified rate paid on balances up to $25,000. Balances over $25,000 will earn a non-qualified rate. Retail accounts only. No commercial or institutional funds permitted.
****Courtesy Pay is not offered on No Overdraft Checking accounts, Business Accounts, or anyone under the age of 18. 
+Does not apply if paper checks, ACH withdrawals or online Bill Pay are used. Overdraft fees may be assessed by the Credit Union and/or the Bill Pay provider.

© Copyright 2017. IH Mississippi Valley Credit Union. All rights reserved. Federally Insured by NCUA | Equal Housing Opportunity | NMLS #463074

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