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Personal Checking Account

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, CULIANCE, 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

myChoice Checking

Earn money on your deposits while protecting your identity

  • 3.00% APY* up to first $3,000 in deposits
  • 0.05% APY* on balances above $3,000
  • Dividends are compounded and paid quarterly
  • Direct deposit required
  • Identity Theft Protection Services**
  • Credit Monitoring of the three major consumer credit bureaus for one individual in the household**
  • $1.90 monthly service fee

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

  • $1,000 minimum balance
  • Dividends are compounded and paid quarterly
  • Overdraft protection available
  • Identity Theft Protection Services**
  • Credit Monitoring of the three major consumer credit bureaus for one individual in the household**
  • $1.90 monthly service fee

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

Compare Your Checking Options

Free Checking
Dividends No Yes No Yes
Opening Balance $0 $1000 $25 $25           
Minimum Average Daily Balance $0 $1000 $0 $0
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 $5 $0 $0           
Direct Deposit Required No No No Yes ($5 fee without)
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 

*APY = Annual Percentage Yield. Rates subject to change. IBMSECU accounts are subject to qualification. Please refer to or contact a Member Service Advisor for terms, conditions and fees. Message and data rates may apply for text banking. International Service Assessment (ISA) fees may apply to non-U.S. Debit card transactions. All checking accounts include free eStatements, with paper statements available for a $1.00 monthly fee. 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. Federally insured by NCUA.
**Identity Theft Protection and Credit Monitoring administered by a non-affiliated, third-party provider. 

***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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