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CHECKING

Compare our checking accounts and visit a branch or open one online today.

  Free Checking No Overdraft Checking Relationship Checking Checking Plus
  open-account-button open-account-button open-account-button open-account-button
Minimum opening deposit None None None None
Minimum balance None None $10,000 loan and/or deposit relationship† None
Monthly fee None None (24 years old and younger);
$7 per month (25 years old and above)
$12.50 per month (if below minimum) None
Dividends earned None None Yes Yes*
Monthly requirements None None Maintain a $10,000 loan and/or deposit relationship† E-statements
12 Visa® Debit card purchases**
One ACH or direct deposit
Free services Unlimited check writing
Visa® Debit card
Mobile banking
Online Branch
Bill Pay
E-statements
Phone Branch
Visa® Debit card
Mobile banking
Online Branch
Bill Pay
E-statements
Phone Branch
Unlimited check writing
Visa® Debit card
Mobile banking
Online Branch
Bill Pay
E-statements
Phone Branch
Unlimited check writing
Visa® Debit card
Mobile banking
Online Branch
Bill Pay
E-statements
Phone Branch
Additional benefits Earn Choice Rewards***
Premium CD rates
Earn Choice Rewards*** Earn Choice Rewards***
Premium CD rates
Earn Choice Rewards***
Premium CD rates
Overdraft options $7.50 transfer from another account (per occurrence) Not applicable when used
as an electronic account‡‡
$7.50 transfer from another account (per occurrence) $7.50 transfer from another account (per occurrence)
55+ benefits FREE IHMVCU checks None FREE IHMVCU checks FREE IHMVCU checks


† Per account.

‡‡ Does not apply if paper checks or online Bill Pay are used. Overdraft fees may be assessed by the credit union and/or the bill pay provider.

* Must meet monthly requirements to earn qualified rate and ATM fee refunds (up to $25 per 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.

** Qualification details will appear on statement. Benefits will be available the first of the month following sign-up. Debit card transactions must be posted by IHMVCU by the last business day of the month to qualify for that month's requirement; otherwise they roll over to the next month.

*** 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.

 
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Money Smarts: Saving Strategies
Questions?
Call us at:
(309) 793-6200 or
(800) 722-0333