InTouch Credit Union offers a variety of checking accounts for all members at all stages of life, including accounts with no monthly fee, higher-yielding dividends and more.
No matter how busy your life is, conveniently access your checking account:
Best of all? All ITCU checking accounts have no NSF fees, and members get their direct deposits* up to two days early!
Compare features and open your account online or at one of our convenient locations.
Earn more with an account that pays the highest dividend rates of all ITCU checking accounts, earn uChoose Rewards, and activate special premium rates on select Share Certificates of Deposits.
Loaded with benefits, including monthly dividends, free paper statements, and cell phone and identity theft protection, when you keep qualifying deposit and/or loan balances.
Simple and straightforward, relax with an account providing the essentials and no monthly fee, yet loaded with convenience and access to uChoose Rewards program.
With financial education in mind, ITCU proudly presents three special youth and young adult programs to help our younger members learn how to manage money. It's never too early to get started!
All InTouch checking accounts provide unbeatable value. The key is to find the account with the features and benefits that are valuable to YOU. Use this chart to compare our accounts and find the checking account that best matches your needs.
| Feature | Value Checking | Momentum One Checking (No Longer Offered) | Momentum Plus Checking (No Longer Offered) | Prime Checking | High-Yield Checking |
|---|---|---|---|---|---|
| Electronic Deposits* Up to 2 Days Early | Yes | Yes | Yes | Yes | Yes |
| Non-Sufficient Funds (NSF) Fee | $0 | $0 | $0 | $0 | $0 |
| Free Identity Theft Protection Service | No | Yes1 | Yes1 | Yes1 | No |
| Free non-ITCU ATM Transactions per Month2 | 2 | 4 | 5 | 6 | 4 |
| Free ITCU ATM Transactions | Yes | Yes | Yes | Yes | Yes |
| Free Paper Statements | No2 | No2 | No2 | Yes | No2 |
| Free Debit Card (1st order) | Yes | Yes | Yes | Yes | Yes |
| Free Money Management App | Yes | Yes | Yes | Yes | Yes |
| Free Box of Basic Checks (annually) | No | 1 | 1 | 1 | No |
| Minimum Required to Open | $50 | $50 | $50 | $50 | $50 |
| Monthly Service Fee2 | No | Yes | Yes | Yes | Yes |
| Minimum Balance to Avoid Monthly Service Fee | NA | NA | NA | Yes3 | NA |
| Tiered Dividends | No | No | No | Yes | Yes |
| Minimum Average Daily Balance to Earn Dividends | NA | $1,0004 | $1,0004 | See Rate Sheet | NA |
| Pays Dividends | NA | Yes | Yes | Yes | Yes |
| Free eStatements, eNotices & eNewsletters | Yes | Yes | Yes | Yes | Yes |
| Free Stop Payments | No | No | No | Yes | No |
| Safe Deposit Box 1st-Year Discount | No | No | No | Yes | No |
| Mobile Phone Protection4 | No | Yes | Yes | Yes | No |
| $hopping Rewards™4 | No | Yes | Yes | Yes | No |
| Travel & Leisure Discount Membership4 | No | Yes | Yes | Yes | No |
| VIP Concierge Services4 | No | Yes | Yes | Yes | No |
No matter how busy your life is, conveniently access your checking account:
Best of all? All ITCU checking accounts have no NSF fees, and members get their direct deposits* up to two days early!
Compare features and open your account online or at one of our convenient locations.
Knowledge is power, especially when it comes to finding the right checking account. Here are a few more resources to help you power up your checking account knowledge.
It’s easy to open a checking account conveniently from the comfort of your home!
Avoiding checking fees can be as simple as combining the right account and good financial habits.
*Electronic deposits include employer (or government) electronic payroll deposits. Bank transfers (i.e., account to account) do not qualify.
1See
Momentum One, Momentum Plus and Prime descriptions for complete details and disclosures.
2See
Retail Fee Schedule for details
3The
monthly service fee will be charged if the account balance falls below the Minimum Average Combined household deposit and loan balance requirement (average combined household deposit and loan balances of at least $20,000).
4For the period.
