Checking Accounts Ideal Checking Accounts Convenience You Expect — Benefits You'Ll Love It's your life — our checking accounts help make it ideal with convenience, access and control. No matter which Ideal Checking Account suits you best, you'll enjoy: An Ideal CU MasterCard® Debit Card plus a monthly chance to win in our $1,000 debit usage giveaway. 24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more! Direct Deposit with Early Payday benefits. Access to a nationwide surcharge-free* ATM Network. Optional Overdraft Protection to cover purchases in the event you do not have a positive available balance in your account. Learn more and see disclosures. Optional MyRewards™ Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards. Find The Right Account For You Free Checking A basic, free checking account with no monthly balance or other ­requirements. Learn more Open an Account Relationship Checking For members who carry higher balances and want to earn tiered interest on those balances. Learn more Open an Account Cashback Checking For members who do most of their banking online and want to earn monthly cashback up to $10. Learn more Open an Account High Yield Checking For members who want to earn 2.00% APY (Annual Percentage Yield) on balances up to $20,000. Learn more Open an Account Compare Checking Accounts Get Started With Ideal Checking Open an account Make an appointment Visit a branch Call 651-770-7000 Checking Benefits Digital Banking Mobile Banking App Ideal Debit MasterCard® Early Payday with Direct Deposit Ideal Debit Rewards $1,000 monthly giveaway Minimum $50 deposit required to open a personal checking account. Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 1, 2021 through December 31, 2021 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. Must be member in good standing and have not caused a loss to Ideal Credit Union. Ideal CU Student and Business Accounts are not eligible. Offer excludes Ideal Credit Union employees and accounts on which an employee is joint, Board of Directors and Supervisory Committee members of Ideal CU. See official rules. (651) 770-7000 Make an Appointment Privacy Policy 296076262 The Ideal Life is Social Facebook Twitter LinkedIn Instagram NCUA Equal Housing Opportunity NMLS# 401783 Routing# 296076262 Contact Us (651) 770-7000 (800) 247-0857 CURRENT RATES WHAT'S NEW Educational Seminars Member Discounts $1,000 Monthly Winner MEO CODE CONTACT US MAKE AN APPOINTMENT BRANCHES & ATMS MEMBERSHIP Become a Member Apply for a Loan CAREERS ABOUT IDEAL CU Our Story In the Community Read Our Blog Press Room Read Our Newsletter ADA Statement © Copyright 2021 Ideal Credit Union - Website Provided by 'corePHP' LLC