Personal Checking

We have the BEST checking account options in North Iowa!

Free Checking

Free checking means just that... FREE!! No deposit required, NO minimum balance to have this checking account. You will be happy that there are also NO monthly fees. We have many check styles for you to choose from, and you will find that the prices for our checks are quite reasonable. Plus, you can get a MasterCard Debit Card with no Monthly or Annual fee, as well as no fee to use it at the ATM or for Purchases. *** Use it as much as you want, no extra fees!

Fresh Start Debit

Have you been turned down for a checking account due to past credit issues? Are you paying someone to cash your check? North Iowa Community Credit Union is happy to offer you a solution! We are proud to announce our new Fresh Start Debit Account! No minimum balance required. All you have to do is maintain a positive balance. Checks will NOT be available on this account, however you will recieve a FREE debit card and will be able to utilize ACH withdrawals to pay bills. There is a small $8.00 (+ tax) monthly fee, but this is much less than purchasing money orders and paying check cashing fees. No overdrafts will be allowed but by not having checks you limit your ability to overdraw, helping to make your new checking account a success!!

Premium Checking

It takes only $250 to get started with a premium checking account. This account has a $250 minimum balance, but if you do happen to fall below that there is only a $5 (+ tax) fee for that month you were below, ages 18-62. As long as you keep your balance above $250, you will earn interest at the posted rate. Plus, you can get a MasterCard Debit Card with no Monthly or Annual fee, as well as no fee to use it at the ATM or for Purchases. *** Use it as much as you want, no extra fees!

Payroll Deduction and Direct Deposit

You can use Payroll Deduction and Direct Deposit to take care of many of your common credit union transactions.

Payroll Deduction helps you save systematically because a set amount is deducted automatically from your paycheck each pay period and is sent directly to the credit union account of your choice. Loan payments may also be handled in the same manner. This service is available for most members – however, we advise you to inquire with your employer to see if Payroll Deduction is available.

With Direct Deposit you can have your entire paycheck, Social Security, pension, retirement, or any other recurring payment sent directly to your Share Savings Account or Share Draft/Checking Account. This provides an instant, safe deposit of your funds. This service will save you time, postage, and trips to the credit union.

 

No matter which account you choose, check out the following perks, which apply to ALL checking accounts, even business checking accounts:

  • Free Money Card ATM/debit card access *
  • Free ATM usage within the Privileged Status ATM Network***
  • Free online banking, eStatements, custom account alerts by e-mail and more!
  • Free first order of 120 checks (not available on Fresh Start Debit Accounts)
  • Free Online Bill Pay (not available on Fresh Start Debit Accounts)
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Free Checking Fresh Start Debit Premium Checking
Min. to Open $0 $0 $250
Dividend None None Yes **
Min. to Earn N/A N/A $250
Dividend Tiers N/A N/A N/A
Dividend Calculation N/A N/A Average Daily Balance
Min. Balance to Avoid Fees None None $250 (0 if age 62+)
Monthly Service Charge None $8 + Tax $5 + Tax charge if account dips below $250 at any time (0 if age 62+)
Checkwriting or Deposit Limits None Checks Not Allowed None
Per Check or Deposit Charges None Checks Not Allowed None
Overdraft Protection Yes * No Yes *

* Subject to Credit Qualification
** Currently 0.04%. Rates are variable and subject to change at any time. Dividend is compounded and paid monthly.

*** At any ATM displaying the Privileged Status logo

Looking to set up direct deposit or automatic payments? You'll need NICCU's ROUTING NUMBER: 273975564. You will also need your complete Account Number. Contact an NICCU associate to help you.

Bring your checking home to NICCU! Visit any NICCU location, open your account, or contact our Member Services Department at (641) 424-2281 / 888-424-2281, or membership@NICCU.com for more information or assistance with account opening.