Checking Account Services
- ICCU ATM and Debit Cards: Free!
- Direct Deposit & Payroll Deduction
- Easy Access Loan
- Balancing Your Checking Account: Simply explained
- Re-ordering Checks (online)
Checking (Share Draft) Accounts
FREE Checking: Your credit union offers a FREE checking account to all member-owners. Free meaning: no monthly maintenance or service fee, no per check fees or charges, and no service charges (assuming you don't overdraw the account).
In true credit union fashion, Isabella Community Credit Union led the way to bring free checking into the Isabella County area in the late 1970's. We did it first, and still do it best!
Together with ICCU's online account access, "It'sMe247," a MasterMoney Debit Card, Easy Access Line of Credit and/or Courtesy Pay, you will have 24/7 access to your money around the world, and protection in the event a mistake happens.
Benefits Plus Checking: Free!
ICCU's Benefits Plus Checking has no specific account requirements, and there is no monthly fee or service charge. The account is free, and the benefits are priceless.
Upgrading your existing ICCU checking is easy -- just talk to any employee.
Save money on the stuff you buy every day!
Direct Deposit - Safe & Easy
Do you find yourself waiting in line every payday waiting to cash or deposit your paycheck? Consider setting up direct deposit with your employer and skip the line.
Direct deposit is the safest and fastest method to deposit your paycheck and/or Social Security deposits. Your money is electronically transferred every pay period, which means less of a chance of your paycheck getting lost, stolen, or spent on impulse purchases. Your paycheck will make it to the credit union even if you can't!
How To: To set-up a direct deposit, your employer will need ICCU's routing and transit number, which is: 272483015, along with your account number. Add 000 for savings or 070 for checking to the end of your account number. One signature does it all.
Tip: When the first deposit arrives, verify that it was put in the correct account for accuracy. After that, sign-up for free online banking with "It'sMe247" and you can check your account online, anytime.
For further questions, please contact your credit union.
Payroll Deduction: Pay Yourself First!
For those of you who do not want their entire paycheck deposited, or those whose employers may not send electronic payments - payroll deduction is a great alternative and a great way to "pay yourself first!"
Some employers, while they do not participate with electronic payments/direct deposit, will send part or whole paychecks directly to the credit union on your behalf. This is a great way to make loan payments, save for the holidays or a large ticket item, or simply make deposits to your checking account.
If you find that your employer won't offer payroll deduction, please contact the Marketing/Development Department at ext. 241.
Reorder Checks Online
Through ICCU's business partner, Liberty Check Printers, you can reorder checks online safely, quickly, and securely.
If you already have a checking account, and have received at least one order of checks...you can re-order online. Just click on the link below to get started.
In fact, your order goes into production faster when you order directly using Liberty's online ordering service. You can view check styles, enter complimentary personalized features, and see the exact amount to be deducted from your checking account for your order. All of this can be done in a user-friendly fashion by clicking here. Have your checkbook or reorder form handy to fill in security information.
Tip: If you have recently changed your address, or account status (got married, changed your name, etc.) please contact the credit union to re-order checks. The online ordering process (below) is best when you have NO changes.
Click here to order checks online
Re-Order Checks By Phone: 877-585-8777
If you have no change of address or name, you can re-order checks using a touch-tone phone.
To order checks using this convenient system, simply call 1-877-585-8777. You will be asked for your unique Reorder Identification Number and check starting number as shown on your reorder form.
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MasterMoney Debit Card
Want the convenience of ATM access and the worldwide purchasing power of MasterCard? Then an ICCU MasterMoney Debit card is the answer.
ICCU's MasterMoney Debit card gives you convenient access to your checking account, without having to write a check.
You can use it at virtually any ATM, as well as any where MasterCard™ is accepted around the world.
Click here to find an ATM machine that is surcharge free through the CO-OP Network.
Easy Access Loan
Interested in overdraft protection? ICCU's "Easy Access Loan" is available at a low 11.5% non variable APR to protect you against overdraft fees. You can also access this convenient line-of-credit through ICCU's online account access, "It'sMe247," the Touch-Tone-Teller, or over the-counter any time you need it.
Apply today and you may never have an overdraft again!
Balancing Your Account
We know, it’s not fun … but it is important to reconcile (balance) your accounts regularly. Be sure to include outstanding transactions including ATM and Debits that may be pending but not posted to your account. If you need assistance, please contact the Member Service Department, or talk to any ICCU employee.
Balance your checking account: Reconcilement of check account form
Online Tutorial: Free for ICCU member-owners.
Use the online "Check Right" tutorial from GreenPath Debt Solutions, by clicking on the logo below. This is a safe site. GreenPath Debt Solutions also offers free budgeting help (live and online) to ICCU members. Click here for details.
