Checking – Interstate Credit Union

Checking Accounts


	No Strings FREE	With Interest	Renew	Seniors	Scholars	Educators
No Minimum Balance	✓	✓	✓	✓	✓	✓
Earns Interest with $100 minimum average daily balance		✓		✓	✓	✓
Unlimited Check Writing	✓	✓	✓	✓	✓	✓
Customizable Instant Issue VISA® Debit Card	✓	✓	✓	✓	✓	✓
Overdraft Privilege after 30 days of Membership	✓	✓		✓	✓	✓
Online Banking with Bill Pay	✓	✓	✓	✓	✓	✓
Mobile Pay	✓	✓	✓	✓	✓	✓
No Direct Deposit Required	✓	✓	✓	✓	✓	✓
Free Cashier’s Checks & Money Orders	✓	✓	✓	✓	✓	✓
Free Personalized Checks				✓		✓
1/4% certificate premium & 1/2% discount on loans***				✓		✓
Eligibility Limits				Age 55+	Students up to age 23	Education Employees
Dividends are compounded and paid monthly. Free consolidated monthly electronic or paper statements are issued with electronic check copies available via Online Banking. $4 Monthly fee without direct deposit or $300 minimum daily balance. $10 monthly fee without direct deposit. **Consumer Loan rates will not be below Interstate’s floor rate.
No Strings Free Checking – No minimum balance, no monthly service fee, no per check charges, no direct deposit required Checking with Interest – Earn interest, no per check charges, avoid the $4 monthly service fee by keeping a minimum daily balance of just $300 or by having direct deposit Scholar Checking* – For full-time students up to age 23, no monthly service fee, earn interest, no per check charges Educator Account* – For employees of the Boards of Education in the counties we serve. No minimum balance, no per check charges, no direct deposit required, FREE personalized checks, half a percent discount on most consumer loans, one forth a percent premium on advertised certificate rates, no closing cost on Home Equity loans, $100 off Mortgage closing cost Freedom Checking for Seniors** – For members age 55 and older, no monthly service fee, earn interest, no per check charges, FREE personalized checks, half a percent discount on most consumer loans, one forth a percent premium on advertised certificate rates Renew Checking* – For members who normally would be unable to open a checking account. Unlimited check writing, no direct deposit required, monthly service fee applies. These checking features apply to all of our Checking Accounts: Access to a shared network of No-fee credit union ATMs nationwide Access to a shared network of branches nationwide via Co-Op Shared Branching FREE Online Banking access Bill Pay Services FREE Statements Online FREE Notices Online FREE Mobile Banking FREE Account access through Telephone Banking, our 24-hour telephone response system Pre-authorized automatic drafts (no charge) FREE Overdraft protection with savings or a pre-approved line of credit Free Electronic Receipts Direct deposit (optional) Wire transfer of funds to an outside account Stop payments Complimentary financial counseling, budgeting services, and financial education tools via our BALANCE Financial Fitness Program Please see our Fee Schedule for any applicable fees, or contact us for more information about our checking accounts.