Choose from three highly beneficial checking accounts. If you're watching your expenses and typically don't carry a large balance in your checking account, you'll want our Free Checking (which is REALLY free by the way). But, if you want your money to earn dividends while it's in your checking account, you'll want Premium Checking. If you have had problems in the past getting a checking account due to credit problems, you will want our Fresh Start Debit Account. Ask for more details about our checking Accounts! Account Fees
No matter which account you choose, check out the following perks, which apply to ALL checking accounts, even business checking accounts:
- Free Money Card ATM/debit card access *
- Free ATM usage within the Privileged Status ATM Network
- Free online banking, eStatements, custom account alerts by e-mail and more!
- Free first order of 150 checks (not available on Fresh Start Debit Accounts)
- Free Online Bill Pay
|
Free Checking |
Fresh Start Debit |
Premium Checking |
Min. to Open |
$0 |
$0 |
$250 |
Dividend |
None |
None |
Yes ** |
Min. to Earn |
N/A |
N/A |
$250 |
Dividend Tiers |
N/A |
N/A |
N/A |
Dividend Calculation |
N/A |
N/A |
Average Daily Balance |
Min. Balance to Avoid Fees |
None |
None |
$250 Average Monthly Balance |
Monthly Service Charge |
None |
$5 + Tax |
$5 + Tax charge if account dips below $250 at any time |
Checkwriting or Deposit Limits |
None |
None |
None |
Per Check or Deposit Charges |
None |
None |
None |
Overdraft Protection |
Yes * |
No |
Yes * |
* Subject to Credit Qualification
** Currently 0.25%. Rates are variable and subject to change at any time. Dividend is compounded and paid monthly.
Looking to set up direct deposit or automatic payments? You'll need NICCU's ROUTING NUMBER:
273975564.
You will also need your complete Account Number. Contact an NICCU associate to help you.
Bring your checking home to NICCU! Visit any NICCU location, open your account, or contact our Member Services Department at (641) 424-2281 / 888-424-2281, or membership@NICCU.com for more information or assistance with account opening. If you're looking to close a checking at another financial institution, use our switch kit or call us and we'll do the work for you.
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