Checking Accounts

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? Stop by any branch or apply online today.


General benefits include:

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

  • free-checking-icon

    Free Checking

    No minimum balance, no monthly fee, no monthly requirements, no strings-attached.

    Open account
  • no-overdraft-checking

    No Overdraft Checking

    An online+ checking account without fees for members under 24. Members age 25 and older will be charged a $7/month fee.

    Open account
  • checking-plus

    Checking Plus

    All the convenience and freedom of our free checking account, PLUS earn dividends when you meet monthly requirements***.

    Open account
  • relationship-checking

    Relationship Checking

    We value our member relationships. This interest-bearing checking account proves it. And there are no fees if your loan and/or deposit relationship is $10,000 or more.

    Open in branch

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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 Checking Account
  • How Much Am I Spending?
Terms and conditions subject to change.
*Choice Rewards points are earned every time you swipe and sign using your Visa® Debit Card. Points can exist on an account for up to three years from the month they were earned and expire on the first of the 37th month after they were earned.
**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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