Get the Smart Checking Account that fits your needs.

Checking Accounts

Everyday Money Management Made Easy

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:

  • FREE Smart Check™ Debit Card
  • FREE Online Banking
  • FREE eStatements
  • FREE Alerts
  • FREE Mobile Banking with Remote Deposit
  • FREE ATM use at Insight Credit Union, MoneyPass®+ and Presto! ATMs
  • FREE Unlimited Check Writing
  • FREE Direct Deposit
  • FREE Visa® Platinum Rewards Credit Card – those who qualify can receive an Insight Credit Union Visa® Platinum Rewards Credit Card that rewards you with points for purchases. With no annual fee, a 25-day grace period and low rates, it’s the smart credit card for everyone.
Checking Account Rates
Accounts Minimum A.P.Y.*
Incentive Checking (qualified)** $0 4.75%
Seniority Status Checking $1,000 0.15%

Applying for a Smart Checking Account is easy!

  • Already a member? Log into Insight Online to access your account and we’ll use the information already on file for your application. 
  • Not yet a member? Use the link above to register and provide your information to apply for membership, accounts, and loans.
  • Check Application Status! You can also check the status of submitted applications, or continue where you left off with an application already in progress.

Additional Checking Account Resources

A checking account may be an important tool to help you meet your financial goals. Learn the basic features of checking accounts, including:

  • How to select, open, and use a checking account
  • Understanding the fees associated with checking accounts
  • How to keep your checking account secure

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:

  • Programs to help you manage your checking accounts and avoid overdraft fees
  • How overdraft fees can impact your finances
  • Laws and regulations to protect you from unwarranted fees

Start the Preventing Overdraft Fees Playlist

*A.P.Y. = Annual Percentage Yield. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice. Call 407.426.6000 for recent rate changes. 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 1 Bill Pay transaction 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.

+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.