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Dollars and Sense Checking is for students ages 13-23, and is an easy way to build credit and financial independence. Located in a community with colleges like Illinois State University and Illinois Wesleyan University, we've built a checking account that fits student's needs.


  • ATM/Debit card
  • Over 30,000 free ATMs Nationwide
  • ATM Fee Refunds*
  • Free Mobile & Online Banking
  • Free Remote Check Deposits*
  • Free POP Money & Funds Transfers*
  • Bonus rate on a Money Market account
  • Discounts on auto loans
  • IAACU VISA card**


  • Give yourself buying power with a VISA debit card
  • ATMs are always close. Find an ATM
  • Text or email money from your smart device
  • ATM fees are refunded up to $10 per month*
  • Use your phone to manage your accounts. Take a picture and deposit checks from anywhere*
  • Get rewarded for starting a real savings plan
  • Get our lowest auto loan rate regardless of credit and year of vehicle 
  • Build credit and be prepared for unexpected expenses 
Open a D&S Account Questions? Contact Us

*ATM fees are refunded up to $10 per month. Remote Deposit includes first 5 checks free per calendar month. .025 charge per check starting with the 6th per calendar month. Overnight and rush fees may apply for POP Money and Transfers.
**Credit restrictions apply