Central Plus Checking

With a Central Plus Checking Account in your back pocket, "it's all good!" Enjoy more perks and benefits than ever before, while securely managing your day-to-day finances. Walk with confidence because Idaho Central has you covered!

Open a new account or upgrade your existing ICCU checking account.

Central Plus Checking is best if:

You want awesome benefits with your checking account.

Central Plus Checking Benefits

Receive all the benefits of an ICCU checking account PLUS more! For a small monthly fee of $7, make life smoother with access to amazing benefits. Open a Central Plus Checking Account today and see why this is more than just any other checking account.

  • Free instant-issue Visa Debit Card
  • Free mobile & online banking
  • Free early access Direct Deposit – get paid up to 2 days early
  • Free credit report, credit score, and more with My Credit
  • Amazing benefits and perks that provide security and convenience

Have questions on how to upgrade a current checking account to a Central Plus Checking Account? View our step-by-step instructions.

Minimum Balance to Open


Minimum Daily Balance


Monthly Service Fee



Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family — all with zero copays.
(Registration/activation required).

Cell Phone Protection

Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims occurrences per eligible account and maximum of $1,200 per 12-month period.

Travel & Leisure Discounts

Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from a mobile device. Digital access makes saving super easy and convenient, giving instant savings anywhere, and anytime.
(Registration/activation required).

Roadside Assistance

24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve-month period.
(Registration required).

Identity Theft Services

If your identity is stolen, we have you covered. A dedicated fraud specialist will manage and resolve suspected or confirmed fraud until completion. In addition, Identity Fraud Expense Reimbursement Insurance covers up to $1,000,000 of your out-of-pocket expenses incurred during the recovery of your identity. Did we also mention that your personal information will be monitored on the dark web and you’ll receive alerts when your personal information is exposed! Just another benefit of your Central Plus Checking Account.

Debit Advantage

Receive coverage on Central Plus Checking purchases for 90 days from the date of purchase against accidental breakage, fire or theft. In addition to extended warranty’s up to one full year on most new retail purchases if the warranty is less than five years.

Health Discount Savings

Enjoy savings on vision, prescriptions, and dental services. This is NOT insurance.
(Registration/activation required).

Additional Perks

With an Idaho Central Checking Account, the benefits go on and on. You’ll get even more tools and services. 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.

How to Convert Your Existing Checking Account

Log into eBranch Online Banking

Choose your account

Celebrate your new account!

Eligibility Disclosure: Benefits above are available to personal checking accounts and their primary accountholder and joint accountholder(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an accountholder or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
1. Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
2. Special Program Notes: The description herein is a summary only and does not include all terms, conditions and exclusions of the Benefit described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit and/or insurance documents. Log in to your ICCU Online or Mobile Banking and connect to your Central Plus Checking benefits for Guide to Benefit or to file a claim. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

View Central Plus Checking Full Disclosure

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