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Thanksgiving Closure: We will be closed for Thanksgiving on Thursday, November 23. We hope you enjoy the holiday! View our holiday closure schedule.

Personal Checking

All Checking accounts include

  • Automatic overdraft protection from your membership Savings account 
  • Free Visa® Debit Card with access to over 60,000 surcharge-free ATMs (at the Credit Union or ATMs displaying the Allpoint, CU24, CUHere, and Moneypass network logos) 
  • Unlimited deposits and withdrawals 
  • Unlimited check writing 
  • 24/7 account access through Online, Mobile, and Telephone Banking 
  • Free Bill Pay 
  • Free Mobile Check Deposits and eTransfers 
  • Free text and email account alerts 

Checking Account Options

myWallet Free Checking

A truly free checking account with no hidden fees

  • FREE checking with no minimum balance and no monthly service fee
  • myWallet Youth Checking – an option for members ages 16-21***

myDefense Checking

A full service checking account that includes Identity Theft protection and Credit Monitoring

Grand Checking

Earn dividends from your checking account

VIP Checking

Because you deserve some perks

Open your Checking Account through Online Banking today! Or contact us at or 800.873.5100. 

Compare Your Checking Options

Free Checking
VIP Checking
(age 62 or older)
Opening Balance $0 $25 $25 $1000
Minimum Average Daily Balance $0 $0 $0 $1000
Identity Theft Protection and Credit Monitoring $4.70
$0 $0 $0
Monthly Service Fee $0 $1.90 $1.90 $1.90
Below Minimum Daily Balance Fee $0 $0 $0 $9
Dividends No No No Yes
Free Checks with Direct Deposit No No Yes No
Free eStatements Yes Yes Yes Yes

Helpful Links

Learn more about online Bill Pay

Reorder your checks here

Check out our Member Rewards Program to learn how you can avoid fees and take advantage of valuable services.
Checking Account Management - Financial Toolkit from Balance

Learn how to maintain your Checking account with the Checking Account Management Toolkit from BALANCE 

*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, 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. 


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Financial Planning & Investment Services "Meet and Greets" on Oct 1 - Nov 30

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IBMSECU closed for Thanksgiving on Nov 23

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BALANCE Webinar: First-Time Homebuyer on Dec 5

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