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
  • Almost 30,000 free ATMs
  • ATM Fee Refunds
  • Mobile Banking with Remote Deposit
  • 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 one
  • ATM fees are refunded up to $10 per month*
  • Use your phone to manage your accounts 24/7
  • 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
**Credit restrictions apply