Central Checking

With a Central Checking Account, there are no fees and no minimum balance. Just another way we are looking after your daily balance.

Central Checking is best if:

You want a checking account with no fees and no minimum balance.

You Deserve Central Checking

Managing your money shouldn’t cost you anything. There are no fees and no minimum balance with an ICCU Central Checking Account. We make sure you have all the tools you need and features you expect.

  • Free instant-issue Visa Debit Card
  • Free mobile & online banking
  • Free early access Direct Deposit – get paid up to 2 days early
  • Take your money further with a Visa Rewards Credit Card

Minimum Balance to Open


Minimum Daily Balance


Service Fees


ICCU Checking Benefits

Free Mobile & Online Banking

You have all the tools you need to manage your accounts through the ICCU mobile app or on ICCU.com, anywhere, anytime. Check balances, transfer money, pay bills, set up alerts, and so much more.

Free Early Access Direct Deposit

When you sign up for direct deposit, your paycheck is automatically deposited into your Idaho Central Credit account. Plus, ICCU offers up to two days early access to your funds for eligible direct deposits.

Free Credit Score & Monitoring

My Credit is a free service powered by SavvyMoney® that helps you stay on top of your credit. Check your credit score, view your credit report, and get up-to-date credit monitoring notifications through ICCU mobile or online banking.

Free ATM Access

We love to serve our members wherever they are. Enjoy access to ATMs across the country where you can access your accounts and make deposits or withdrawals 24/7.

Free Zelle® Money Transfers

Zelle is a fast, safe and easy way to send money to people you trust, right from the Idaho Central Credit Union mobile app – no matter where they bank.

Zero Liability Protection

Visa’s Zero Liability Policy guarantees that you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen, or fraudulently used, online or offline.

Additional Perks

With an Idaho Central Checking account, the benefits go on and on. Get all these additional tools and services for free. Not to mention the great care and service we provide to each individual member. It’s just another way we’re looking after your daily balance.

Looking to Upgrade Your Checking Account?

Receive all the benefits of an ICCU checking account PLUS more! For a small monthly fee of $7, make life smoother with a Central Plus Checking account and get access to amazing benefits like:

Open a Central Plus Checking Account today and see why this is more than just any other checking account.

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How