Checking/Debit

Your checking account is a must-have tool you use every day, online and everywhere else you go. So, make sure you get one that fits your financial needs. Whatever features you want in your checking account, you'll find the right one at Indiana Members Credit Union. 

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Manage money your way with the right checking account. 


Whether you choose Free Checking or Preferred Checking to earn dividends, you have access to Online and Mobile Banking with all the digital tools you need to move money and monitor your account anytime, anywhere.1
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Easy access where and when you need it.
 

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There's lots to love about IMCU checking accounts.


There are thousands of surcharge-free ATMs across the country, so you always have access when you travel. Plus, you can use Online and Mobile Banking to transfer money, pay bills, and take care of all types of financial tasks whenever it's convenient. IMCU checking accounts give you the freedom to manage your money how you like. 
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Includes an instant‑issue debit card with the option for a free affinity debit card to support your favorite school or organization.
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Free access to all IMCU, Alliance One, and Allpoint ATMs nationwide. 
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Manage and monitor money anytime with our digital banking tools, including account activity alerts and free eStatements.
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Choose from multiple overdraft protection options.2


Free Checking


This straightforward checking account gives you the tools you need and lets you keep any balance you want – without a fee. 
 
  • Open with a $25 initial deposit.
  • No minimum balance or monthly fee.
  • Transfer money from your savings or money market account or overdraft line of credit3 to cover shortfalls.

Preferred Checking


If you keep a larger balance in your checking account and want to earn dividends, this is your best option. 
 
  • Open with a $2,500 initial deposit.
  • Maintain a $2,500 minimum balance to earn dividends and avoid a monthly fee.
  • Transfer money from your savings, money market account,  or overdraft line of credit³ to cover shortfalls.
  • View current rates. 









































Visa® Debit Cards provide convenient access to your money.


A Visa® Debit Card comes free with either checking account, and you can get an instant-issue replacement anytime at one of our branches.
 
  • Add your debit card to your digital wallet for convenient and secure tap-to-pay capabilities.
  • Roadside Dispatch: Pay-per-use 24-hour roadside assistance includes standard towing, tire changing, jumpstarting, lockout service, fuel delivery, and standard winching. Call 1.800.847.2869.4
  • Auto Rental Collison Damage Waiver: Covers damage, theft, towing, and more.
  • Porch Piracy Protection: Up to $1,000 reimbursement if eligible items are stolen from your delivery location.
  • Travel Accident Insurance: Coverage for accidental death or dismemberment when travel is booked with your Visa® Debit Card. These additional Visa® benefits are available when purchases are made with your IMCU Visa® Debit Card.
  • Track your spending with our digital banking.

Helpful Resources

Use these phones numbers anytime you need assistance with your checking account or debit card. 
 
If you know you’ve had fraud on your account, contact Member Services during business hours and file a dispute for the fraudulent charges. Outside of business hours, call 800.556.9268 and listen for the prompts to be directed to cancel your debit card to avoid additional fraudulent charges. Contact Member Services at 800.556.9268 the next business day to file a dispute.

If you have received a call from the Fraud Department regarding fraudulent charges, return the call to verify transactions in order for standard use to resume. You can reach Fraud Services at 888.918.7313. 
If you have lost your debit card, during business hours contact Member Services at 800.556.9268. Outside of business hours, please call 866.541.2915.
If you need to set or reset your PIN, call 888.886.0083.
Running low on checks? No problem. It's simple to order more. Have your account number handy along with IMCU's routing number (274 074 040) and just follow the link below. If you have any questions, feel free to contact Member Services at 800.556.9268.

























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Direct Deposit


Sure, we have a lot of conveniently located branches throughout Central and Southern Indiana, and we always love to see you. But you don't want to feel required to visit us just to deposit your paycheck. Sign up for direct deposit instead.

You'll receive your paycheck sooner than with a paper check because it's deposited directly into your IMCU checking account. To enroll in direct deposit, pick up a Direct Deposit form at your nearest branch and provide it to your employer. You can also reach out to us via email at members@imcu.com.
1All checking accounts require a membership savings account. Fees may apply for certain services. See IMCU’s fee disclosure for details.


2Interest or fees may be charged when overdraft is used. Opt in is required. 

3Application required and subject to credit approval.

4Benefits subject to terms, conditions and exclusions. See full Visa® benefits guide.