*APY = Annual Percentage Yield. Rates subject to change. IBMSECU accounts are subject to qualification. Please refer to ibmsecu.org 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.