Free Checking

When we say free, we mean FREE! With an Idaho Central FREE Checking Account, you’ll receive more perks and benefits than anywhere else!

Women checking phone while holding debit card

Free Checking is best if:

You want a free checking account.

You Deserve Totally FREE Checking

Managing your money shouldn’t cost you anything. There are no fees and no minimum balance with an ICCU Free 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, 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.

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