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Idaho Central Credit Union
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  • Personal
    • Checking Accounts
    • Savings Accounts
    • Youth Accounts
    • Certificates of Deposit (CDs)
    • Individual Retirement Accounts (IRA)
    • Visa Credit Cards
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    • Business Banking
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    • Business Visa Cards
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    • Private Client
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    • Medicare
    • Life Insurance
    • Accidental Death & Dismemberment
    • Auto & Homeowners Insurance
    • Guaranteed Asset Protection (GAP)
    • Mechanical Repair Coverage (MRC)
    • Credit Life and Disability
  • Services
    • eBranch Online Banking
    • Anytime Access
    • VideoChat
    • Mobile Banking
    • Make a Payment
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    • Retirement Simplified
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Checking Accounts

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Checking Account Benefits

  • Free Online Banking
  • Free Access to 30,000 ATMs
  • Free Online eStatements
  • Free Visa Debit Card
  • Free Card Fraud Monitoring
  • Free Bill Payment
  • Free Automatic Transfers
  • Overdraft Protection Options
  • Free Direct Deposit
  • NCUA Insured up to $250,000
  • Free Mobile Banking
  • Free Check Images
  • Mobile Wallet
  • Free Credit Score & Monitoring
  • And Much More!
See Rates
Money Market Checking
Balance APY* Interest Rate
0-2,499 0.000% 0.000%
2,500-24,999 0.050% 0.049%
25,000-49,999 0.100% 0.099%
50,000-99,999 0.100% 0.099%
100,000+ 0.100% 0.099%

*APY - Annual Percentage Yield
Rates valid for Wednesday, February 1, 2023.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Account Type Best if... Minimum Balance & Monthly Fees
Free Checking You want a free checking account.

None

+ MORE DETAILS
Close

Free Checking

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

Must be 18 years of age or older to open checking account online.

  • No minimum balance and no monthly fees
  • Free instant-issue Visa Debit Card
  • Control purchases on your Debit Card with CardControl
  • Free Card Fraud Monitoring
  • Free Online Banking with Bill Payment and Online eStatements
  • Free Mobile Banking
  • Low, fixed-rate Visa Credit Card†
  • Free Google Pay™, Samsung Pay®, and Apple Pay® with Mobile Wallet
  • Free access to over 30,000 ATMs nationwide
  • NCUA insured up to $250,000
  • Free Direct Deposit
  • Free Credit Score & Monitoring

†On approved credit.

Money Market Checking You want a checking account that earns interest.

$2,500 or $10/month

+ MORE DETAILS
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Money Market Checking

If you want a checking account that will go to work for you, open an Idaho Central Money Market Checking Account and earn a great rate on your account balance.

Must be 18 years of age or older to open checking account online.

  • $2,500 balance or $10 monthly fee
  • Earns a competitive interest rate*
  • Free instant-issue Visa Debit Card
  • Control purchases on your Debit Card with CardControl
  • Free Card Fraud Monitoring
  • First box of checks free
  • Free Online Banking with Bill Payment and Online eStatements
  • Free Mobile Banking
  • Free Google Pay™, Samsung Pay®, and Apple Pay® with Mobile Wallet
  • Free access to over 30,000 ATMs nationwide
  • Free Money Orders
  • First year’s rent free on a 3″ x 5″ safe deposit box
  • NCUA insured up to $250,000
  • Free Direct Deposit
  • Free Credit Score & Monitoring

*Interest rate and annual percentage yield are variable. May change at any time.

†On approved credit.

Starter Checking You want a completely free checking account for teens ages 12-17.

None

+ MORE DETAILS
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Starter Checking

One of the first steps toward financial freedom is having a checking account. Idaho Central offers an account made specifically for teens up to 17 years old. A Starter Checking Account allows you to make purchases and pay your bills online.

  • No minimum balance or monthly fees
  • Free instant-issue Visa Debit Card
  • Control purchases on your Debit Card with CardControl
  • Free Card Fraud Monitoring
  • Free Online Banking with Bill Payment and Online eStatements
  • Free Mobile Banking
  • Low, fixed-rate Visa Credit Card†
  • Free Google Pay™, Samsung Pay, and Apple Pay™ with Mobile Wallet
  • Free access to over 30,000 ATMs nationwide
  • Earn $25 for referring a friend to open a checking account
  • NCUA insured up to $250,000
  • Free Credit Score & Monitoring
  • Free Direct Deposit

†On approved credit.

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Make The Switch

In just a few simple steps, you can be on your way to enjoying all the benefits of an ICCU membership.

Step
1

Open Your Account

For your convenience, you can open your account online right now! The process is easy, and we’ll walk you through it step by step. Or if you prefer, stop by and open your account at any ICCU branch.

Step
2

Switch Your Direct Deposit and Automatic Payments

Once you have opened your account you will need to switch your Direct Deposit and automatic payments to your new ICCU account. Don’t worry, this is easier than you think. Simply use our Switch Kit Checklist to guide you through the letters listed below.

Direct Deposit Letter ACH Withdrawal Letter
Step
3

Closing Your Old Account

Before closing your old account, make sure the following have been completed:

01
All checks have cleared your old account
02
All Direct Deposit and automatic payments have been switched to your new ICCU account
03
For your protection, destroy any remaining checks, debit cards and ATM cards from your old account

Upon completion of these steps, submit a Letter of Closure to your old financial institution.

Open Your Checking Account Today

Idaho Central Credit Union offers a variety of checking account options. Whether it's a totally FREE checking account or a checking account that earns a competitive interest rate, we've got one that's just right for you.

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ABOUT US

Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho, North Idaho, and Spokane. While growth is vital to our success, we remain focused on our mission, “Helping members achieve financial success.”

Routing Number: 324173626   NMLS ID: 433926

Idaho Central Credit Union is federally insured by the National Credit Union Administration.
© 2023 Idaho Central Credit Union. All rights reserved.