Insight Credit Union offers a variety of Smart Checking Accounts to meet your needs including Free Checking, Incentive Checking** and Seniority Status Checking. Every Insight Credit Union Smart Checking Account features these great benefits:
|Incentive Checking (qualified)**||$0||1.25%|
|Seniority Status Checking||$1,000||0.15%|
A checking account may be an important tool to help you meet your financial goals. Learn the basic features of checking accounts, including:
Start the Checking Accounts Playlist
An important part of managing your money includes making sure your spending doesn’t exceed the amount of cash you have. If you dip below the available balance in your checking account, you will likely be hit with an overdraft fee, which just adds to the bills you need to pay. Learn more with insights around:
Start the Preventing Overdraft Fees Playlist
+Insight Credit Union will not charge you a fee when you use an MoneyPass® ATM, but the owner of the ATM may still charge you a fee.
*A.P.Y. = Annual Percentage Yield. Dividends on regular shares, youth accounts, IRAs and money market accounts are accurate as of 07/14/2022. Share certificate dividend rates are accurate as of 06/15/2022. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts. There will be a penalty for early withdrawal of certificates. Call 407.426.6000 for recent rate changes. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice. Dividends are paid at the end of each month.
**Incentive Checking is a variable rate account and the rate may change after the account is opened. The Incentive Checking account is a Tiered Rate account. If your average daily balance is $20,000.00 or below and requirements are met, the APY will be the qualified APY. If your average daily balance is $20,000.00 or below and requirements are not met, the APY will be 0.05%. If your average daily balance is $20,000.01 or greater, 0.05% APY will apply to the average daily balance exceeding $20,000.00. To receive the qualified APY, member must have a valid email address, use eStatements, make a minimum of 3 Bill Pay transactions post to your account each month, and make a minimum of 8 Smart Check Debit Card transactions each month. Fees could reduce the earnings on the account.