*All IBMSECU personal and business Checking accounts and Visa® Debit Cards are subject to eligibility, address and identification verification, and qualification. The Credit Union does not accept Interest on Lawyer Trust Accounts (IOLTAs), Irrevocable Trusts, Money Service Businessess (MSBs) Qualified Income Trusts (QITs) for Medicaid recipients, or Political Campaign Accounts. Please refer to a current Membership Disclosure, Fee Schedule and Share Account Rate Sheet, or contact a Member Service Advisor at 800.873.5100 or firstname.lastname@example.org, or visit a branch near you for for more details on the rates, terms, penalties, fees and conditions that may apply. A $1.90 monthly service fee will be assessed each month on all personal Checking accounts except for myWallet Free Checking. Limit (1) monthly service fee per membership, even if you have more than one Checking account. All checking accounts include free eStatements, with paper statements available for a $1.00 monthly fee. Certain fees and charges may be waived or reduced for Rewards program participants, refer to a Rewards Brochure for more information. International Service Assessment (ISA) fees may apply to non-U.S. transactions, and ATM surcharge fees may be incurred at ATMs not owned and operated by IBMSECU or partners of the surcharge-free network.
**Identity Theft Protection and Credit Monitoring administered by a non-affiliated, third-party provider.
***VIP Checking only offered to members age 62 or older, with monthly paper statements and special design checks available free with Direct Deposit. Must be at least eighteen (18) years old, or at least sixteen (16) years old with a qualified joint owner of at least eighteen (18) years of age or older, to open a myWallet Youth Checking account.