Personal Checking

* ATM charges up to $25 per month at non-IFS ATMs will be rebated back to the account at the end of the monthly account cycle if customer is enrolled in and accepts Electronic Statements.  This is a variable rate account; interest rate and APY may change at any time after account is opened.

**To earn the higher rate of interest and qualify for up to $20 in foreign ATM fee reimbursement, 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 per statement cycle.  Transactions are considered temporary and do not count towards the Bonus Checking requirements until the final transaction has posted to the account. This may take several days from the date the transaction was actually performed which may cause transactions to count in a different statement cycle. 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.