iQ Gives You Smart Checking Choices
iQ Credit Union offers three checking account types for every financial need.
iQ Credit Union offers three checking account types for every financial need.
Get great value-added services, such as:
Overdraft Protection1
Optional
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
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
Optional
Overdraft Protection1
Optional
Competitive Interest Rates
$6 per month fee, waived with $500 minimum average monthly balance
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Benefits include:
To qualify for intelligent checking, you just need:
Get rewarded each month for having money in your account!
You can also link additional accounts for more overdraft protection*.
*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.
"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
"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
"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
"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
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:
(Note that some exceptions apply. Please see the Membership & Account Agreement for complete details.)
If you make a Mobile Deposit:
A new check order may be placed by:
A re-order may be placed by:
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:
The qualifying period is the last day of the previous month through the current month's next to last day.
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.
Routing Number 323383378
© 2022 iQ Credit Union
If you use links provided on this iQ Credit Union website to third-party Internet sites and services, you acknowledge that you are leaving iQ Credit Union's website and are going to a website that is not operated by the credit union. iQ Credit Union is not responsible for the content or availability of linked sites. iQ Credit Union does not represent either the third party or the member if you enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.