CHECKING

Bonus Checking . . . an account that pays interest* like a CD and refunds your ATM fees nationwide!+

With Bonus Checking, you can earn a premium interest rate when you meet the following account conditions during each monthly statement cycle:

• Make at least 10 Institution for Savings Visa® Debit Card purchases from this account (transactions done at ATMs do not qualify)
• Have at least 1 direct deposit to your account
• Pay at least 3 bills monthly from this account using our Internet Bill Pay
• Receive your monthly account statement electronically
• Maintain a $500 minimum daily balance

If you don't meet these requirements in a given statement cycle, you'll simply earn the standard rate of interest….and can start again in the new statement cycle towards earning our "bonus" rate of interest and ATM refunds!

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Other account benefits:

• No charge for basic checks
• No-fee Internet Banking
• No-fee Bill Pay
• No-fee Visa© Debit Card and Point of Sale transactions
• Surcharge-free withdrawals at SUM network ATMS (Other financial institutions may charge fee outside of SUM networks which will be rebated to you monthly if you meet the account requirements!)+
• 24-hour Automated Telephone Banking
• Overdraft Protection available (customer must apply for this product and meet bank's approval criteria.)

Premium interest rate paid on daily balances up to $50,000, and a lower rate is paid on all amounts above $50,000 for each statement cycle that minimum requirements are met. This is a variable rate account; the interest rate and APY may change at any time after account is opened. Minimum balance to open this account is $10. A $10 monthly service charge will be assessed if your daily minimum balance falls below $500. Available on personal accounts only. To earn the higher rate of interest, you must meet the following each statement cycle: 1) perform at least 10 Institution for Savings Visa® Debit Card purchases from this account (transactions done at ATMs do not qualify); 2) have at least 1 direct deposit to this account; 3) pay at least 3 bills monthly from this account using our Bill Pay; 4) agree to receive your monthly account statement electronically; and 5) maintain a $500 minimum daily balance. When these conditions are not met, the lower rate of interest will apply and foreign ATM fees will not be refunded for that statement cycle. Fees may reduce earnings.

+ATM surcharge refunds apply to non-IFS ATM fees and other non-proprietary ATM surcharges for domestic banks only with a maximum refund amount of $20.00 per statement cycle.

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No Fee Checking

Perfect for seniors, students . . . anyone. With this account, just about all that you pay for is your checks.

• No minimum balance required
• No Monthly Service Charge
• Write as many checks as you want at no charge!

Personal Checking

This is an interest bearing account with no limit on the number of checks you can write. The $5 monthly service charge is waived when you maintain a $500 minimum monthly balance or have direct deposit into your account.

With No Fee and Personal Checking accounts, you always get these benefits:

Your choice of monthly statements by mail or electronically

No fee Internet Banking

No fee Bill Pay

No fee ATM card and/or Visa© Debit Card and Point of Sale transactions

Surcharge-free withdrawals at SUM network ATMS (Other financial institutions may charge fee outside of SUM networks

24-hour Automated Telephone Banking

Overdraft Protection available (customer must apply for this product and meet bank's approval criteria.)

Direct Deposit

Click here for current rates