Incentive Checking

Earn the high level of interest you deserve.**

Incentive Checking Account

Haven’t you sometimes thought that your financial institution should be paying you for the privilege of managing your money? At Insight Credit Union, we’ve designed the Incentive Checking Account** to do just that.

  • High interest paid on every dollar of your average daily balance up to $20,000
  • No minimum to open
  • No monthly service charge
  • No minimum balance required

To earn the level of high interest, there are just a few things you need to do:

  • Have a valid email address on file
  • Use eStatements
  • Make a minimum of 3 Bill Pay transactions post to your account each month
  • Make a minimum of 8 Smart CheckTM Debit Card point of sale transactions each month

If you are unable to meet the criteria each month, don’t worry. You won’t be charged some hefty fee. You will just receive a more modest interest rate on your average daily balance. And the transaction counters reset after the close of business on the last business day of each month, so even if you don’t receive the high interest rate one month, you can still qualify the next month.

Please keep in mind the close of business is 6pm on the last business day (Monday - Friday) of the month. If transactions are posted after 6pm on the last business day, they will count toward totals for the following month. The minimum age to open a checking account is 13.

Applying for an Incentive 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.

+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.