Checking Accounts

Dividends are compounded and paid monthly. $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 Internet 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
• FREE VISA® Debit Card
• Pre-authorized automatic drafts (no charge)
• FREE Money Orders
• FREE Cashier Checks
• FREE Overdraft protection with savings or a pre-approved line of credit
• Free Electronic Receipts
• Consolidated monthly statements
• 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.