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Online Banking

Which Fee Free* Checking Account is right for me?


 Platinum CheckingClassic CheckingDollars & Sense Checking
Open An Account
Open An Account
Open An Account
$0 Annual FeeComes with this accountComes with this accountComes with this account
Overdraft Protection*Comes with this accountComes with this accountComes with this account
Loan DiscountsComes with this accountNot offered with this accountComes with this account
FREE ATM Debit CardComes with this accountComes with this accountComes with this account
Over 30,000 FREE ATMs NationwideComes with this accountComes with this accountComes with this account
ATM Fee Refunds**Comes with this accountNot offered with this accountComes with this account
Free Mobile & Online BankingComes with this accountComes with this accountComes with this account
Free Remote Check Deposits***Not offered with this accountNot offered with this accountComes with this account
Free POP Money & Funds Transfers^Comes with this accountNot offered with this accountComes with this account
Bonus rates on Money MarketComes with this accountNot offered with this accountComes with this account


*Overdraft Fees and Overdraft Protection Fees may apply
**Up to $10 a month
***First 10 Remote Deposits are free. Every Remote Deposit after the 10th deposit incurs a 0.25c fee per calendar month.
^Overnight or rush fees may apply to POP Money and funds transfers.


Platinum Checking

  • $0 Annual fees – Open Platinum Checking today for a FEE FREE experience*
  • Platinum Exclusive rates on Loans and Money Market Accounts– Save more on your dollar with Platinum benefits
  • Free ATM Fee reimbursements**
  • Free Remote Deposit – easily deposit checks on the go from the mobile app***
  • Free Billpay, POP Money and Transfers^
  • Easily qualify TODAY: Simply set up direct deposit and e-statements
  • Free Debit Card – 24/7 access to your funds

Open An Account


Classic Checking

  • $0 Annual fees – Open Classic Checking today for a FEE FREE experience*
  • No minimum balances, no requirement
  • Free Debit Card – 24/7 access to your funds
  • Free online and mobile banking – easily monitor your finances

Open An Account


Dollars and Sense Checking

  • Exclusive to students ages 13-23 – only young individuals qualify
  • $0 Annual fees – Open Dollars and Sense Checking today for a FEE FREE experience*
  • Platinum Exclusive rates on Loans and Money Market Accounts– Save more on your dollar with D&S benefits
  • Over 30,000 Free ATMs nationwide & Free ATM Fee reimbursements** – Easy access to your funds
  • Free Remote Deposit – easily deposit checks on the go from the mobile app***
  • Free Billpay, POP Money and Transfers^
  • Free Debit Card – 24/7 access to your funds

Open An Account

Setting up Direct Deposit

To set up Direct Deposit, you will need your IAACU Routing Number – 271176116, and your IAACU MICR (account) Number – found online and in mobile banking, or at on the bottom of your checks. 

To find your MICR (account) Number online or in mobile banking, click or tap on your account and then click or tap on “Details” or “Account Details”

Located at the bottom of your check, the account number follows the routing number and may be preceded by several zeros. Do not include any spaces or dashes when entering your MICR number.

Your money is SAFE with IAACU!

NCUA: Member accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund, an arm of the National Credit Union Administration. NCUA is an independent agency of the United States Government. Individual Retirement Accounts are insured separately up to $250,000. NCUA Share Insurance Estimator.

ESI: An additional $250,000 is insured by the Excess Share Insurance (ESI), a private insurance company.