Enjoy Smart Checking with iQ

Get great value-added services, such as:

  • Mobile banking
  • Online banking
  • Bill pay
  • Person-to-person money transfers
  • Direct deposit
  • Instant issue debit cards
  • Nationwide network that gives you access to 30,000 ATMs with absolutely no fees.

Basic Checking

  • Overdraft Protection1


  • Visa Debit Card

    Get your card instantly in any branch!

  • No Monthly Fee or Minimum Balance Requirement

  • Mobile Banking Access

  • Online Bill Pay

  • Direct Deposit

  • Unlimited Check Writing

Intelligent Checking

Everything in Basic Checking and also:
  • Earn 1.25%* Annual Percentage Yield (APY)2 on balances up to $25,000

  • Earn 0.25% APY2 on balances over $25,000

  • No Monthly Fee or Minimum Balance Requirement

  • Non-iQ ATM Fees Paid

    Up to $25/month*

  • Overdraft Protection1


Interest Checking

Everything in Basic Checking and also:
  • Overdraft Protection1


  • Competitive Interest Rates

  • $6 per month fee, waived with $500 minimum average monthly balance

Get Started Today. You'll be plaid you did!

 Apply Now
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Intelligent Checking

Get the most bang for your buck with our Intelligent Checking account.

Benefits include:

  • No minimum balance and no monthly fees
  • Free online banking and bill pay
  • Free online money management software
  • Refunds up to $25 per month on nationwide ATM surcharges*
  • Account balance up to $25,000 earn 1.25 % APY*
  • Account balance in excess of $25,000 earns 0.25% APY*

To qualify for intelligent checking, you just need:

  • 12 iQ debit and/or Visa credit card transactions per month
  • Direct deposit of a combined $100 or more per month
  • Sign up to receive eStatements
  • Log onto your online banking account at least once each month

Get rewarded each month for having money in your account!

*Terms and conditions apply.

*Personal Rate Schedule available here.

*Personal Fee schedule available here.

Overdraft Protection Keeps You Covered

Standard overdraft practices are included with your iQ account.

You can also link additional accounts for more overdraft protection*.

Learn More

*If your account has been open for at least thirty days and is in good standing, iQ Credit Union may, but is not obligated, to pay overdrafts on your account. An overdraft can occur when there are not sufficient funds in your account to pay an item presented against your account such as a check, electronic fund transfer or ACH, bill payment, or other debit on your account. A fee of up to $30 may be assessed for each overdraft. Overdrafts and subsequent fees are payable immediately; negative accounts must be brought positive within thirty days of the account going negative.

See what our members have to say!

"We joined iQ Credit Union 5 years ago. They had everything to offer. iQ's involved in the community. They're always around and always supporting us."

The Peaveys - member since 2014

The Peaveys - member since 2014 testimonial video

The Peaveys - member since 2014

"I have high expectations when it comes to technology and the people I do business with. iQ Credit Union does the best at meeting my needs and meeting my life."


Clinton testimonial video


"I’ve never trusted financial institutions until I came to iQ. They’ve changed my view and I love my new account. Thank you so much!"

Dwayne B. - member since 2019

Dwayne B. - member since 2019

"I was very impressed with the service I received, and I felt very taken care of. iQ has great customer service!"

Christine A. - member since 2012

Christine A. - member since 2012

Checking FAQs

Eligibility for membership:

  • Any person who lives, works, or attends school in the State of Washington
  • Any person who lives or works in the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill
  • Any immediate family member of an existing iQ member. This includes:
    • Spouse, parents, grandparents, children, grandchildren, brothers, sisters, aunts, and uncles; also including “half” and “step” siblings, parents, and grandparents; and
    • Domestic partner of a member
  • Members of the Pacific Foundation for Blind Children (PFBC) who live or work within the state of Oregon
  • Certified or Classified school employee within southwest Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) that are legal entities within the State of Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) located within the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill

Minimum deposit to open an account:

  • General Membership (18 and older)- $5.00
  • Minor Accounts (17 and younger)- $5.00
  • Non-Profit Organizational Accounts- $5.00
  • Business Accounts- $5.00

Other Requirements:

  • Government-issued ID with photo with current address: Driver’s license, State ID, U.S. Passport, U.S. Armed Forces ID card
  • Your Social Security Number (SSN) or Tax Identification Number (TIN)
  • Current rental agreement, utility bill or mortgage statement for address verification

Association, Club, & Organization Accounts:

  • Meeting minutes outlining the title of the Authorized Signers
  • Valid ID for all signers
  • EIN is required

Please contact the Credit Union at 800-247-4364 or stop by your local branch to initiate a dispute on your debit or credit card. We will advise you on the best way to proceed with the dispute. Please contact us promptly, otherwise you may incur increased liability for the transactions.

If you discover your card has been lost or stolen, call the Member Contact Center immediately at 360-695-3441 or 800-247-4364. If you are traveling outside the United States, please call 727-572-7723 to block your card immediately. You may stop at a local branch to receive a new card the same day, or call us during business hours to order a new card by mail. 

All deposits are different. Some deposits take longer to clear, depending on the type of deposit and the time the deposit is made. For deposits made at a branch or by mail, any delay is counted in business days from the day of deposit. For example, if a deposit is made after hours, the deposit won’t be considered until the next business day.

If you make a deposit at an iQ Credit Union ATM:

  • Cash deposits are made immediately available.
  • Check deposits immediately release $500 of the total amount deposited.

(Note that some exceptions apply. Please see the Membership & Account Agreement for complete details.)

If you make a Mobile Deposit:

  • Savings deposits are held for two business days until any funds are made available.
  • Checking deposits will release $500 immediately, and the remaining funds become available after two business days.

A new check order may be placed by:

  • Visiting a branch location
  • Submitting a secure message through your Online Banking profile (please be sure to list all information to be printed on the checks, address the checks should be shipped to and desired starting check number.)

A re-order may be placed by:

  • Visiting a branch location
  • Contacting us at 360-695-3441
  • Clicking on the “Order Checks” link in your Online Banking profile (currently available on desktop version only)

On balances of $0 - $25,000.00, dividends are earned at the full percentage (currently 1.00% annual percentage yield (APY)) if monthly requirements are met.

On balances exceeding $25,000.00, dividends are earned at 0.25% APY if monthly requirements are met.

Dividends are earned at 0.05% APY if monthly requirements are not met.

Monthly Requirements:

  • One single deposit of $100 or more via direct deposit
  • 12 debit card or 12 credit card transactions before last day of month
  • Registered for eDelivery
  • Log into Online Banking at least once a month during the qualifying period.

The qualifying period is the last day of the previous month through the current month's next to last day.

Intelligent Checking Account Terms and Conditions

Personal Fee Schedule

Personal Rate Schedule and Disclosures

iQ is alerted about security breaches as soon as the information is made available. In these situations, we have processes in place to ensure your account remains secure. If you have any concerns about a possible breach, reach out to us by logging in to Digital Branch to send us a secured message or call us at 800.247.4364.