We have the BEST checking account options in North Iowa!
Free Checking
Free checking means just that... FREE!! No deposit required, NO minimum balance to have this checking account. You will be happy that there are also NO monthly fees. We have many check styles for you to choose from, and you will find that the prices for our checks are quite reasonable. Plus, you can get a MasterCard Debit Card with no Monthly or Annual fee, as well as no fee to use it at the ATM or for Purchases. *** Use it as much as you want, no extra fees!
Fresh Start Debit
Have you been turned down for a checking account due to past credit issues? Are you paying someone to cash your check? North Iowa Community Credit Union is happy to offer you a solution! We are proud to announce our new Fresh Start Debit Account! No minimum balance required. All you have to do is maintain a positive balance. Checks will NOT be available on this account, however you will recieve a FREE debit card and will be able to utilize ACH withdrawals to pay bills. There is a small $5.00 (+tax) monthly fee, but this is much less than purchasing money orders and paying check cashing fees. No overdrafts will be allowed but by not having checks you limit your ability to overdraw, helping to make your new checking account a success!!
Premium Checking
It takes only $250 to get started with a premium checking account. This account has a $250 minimum balance, but if you do happen to fall below that there is only a $5 (+ tax) fee for that month you were below. As long as you keep your balance above $250, you will earn interest at the posted rate. Plus, you can get a MasterCard Debit Card with no Monthly or Annual fee, as well as no fee to use it at the ATM or for Purchases. *** Use it as much as you want, no extra fees!
Payroll Deduction and Direct Deposit
You can use Payroll Deduction and Direct Deposit to take care of many of your common credit union transactions.
Payroll Deduction helps you save systematically because a set amount is deducted automatically from your paycheck each pay period and is sent directly to the credit union account of your choice. Loan payments may also be handled in the same manner. This service is available for most members – however, we advise you to inquire with your employer to see if Payroll Deduction is available.
With Direct Deposit you can have your entire paycheck, Social Security, pension, retirement, or any other recurring payment sent directly to your Share Savings Account or Share Draft/Checking Account. This provides an instant, safe deposit of your funds. This service will save you time, postage, and trips to the credit union.
*** At any ATM displaying the Privileged Status logo
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