Download iQ's Budgeting Checklist, your convenient guide to establishing and maintaining a budget, to begin your journey to financial success.Download Checklist
With all iQ accounts, you get great value-added services, such as:
Visa Debit Card
Get your card instantly in any branch!
No Monthly Fee or Minimum Balance Requirement
Mobile Banking Access
Online Bill Pay
Unlimited Check Writing
Free Identity Theft Protection for Primary Account Holder
Competitive Interest Rates
$6 per month fee, waived with $500 minimum average monthly balance
Get the most bang for your buck with our Intelligent Checking account. iQ Credit Union’s Intelligent Checking requires no minimum, has no monthly service fees, and earns interest up to 1.00% APY*--and that’s for just doing what you do with your money every month anyway.
Some of your Intelligent Checking account benefits include:
To qualify for intelligent checking, you just need:
Why not get rewarded each month for having money in your account?
iQ provides identity theft recovery services to primary checking account holders at no additional cost. You also have the option to add additional protection for yourself and your family or recommend to a friend.
Standard overdraft practices are included with your iQ 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."
"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
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Eligibility for membership:
Minimum deposit to open an account:
Association, Club, & Organization Accounts:
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.
iQ does offer identity theft recovery services at no additional cost to all primary account holders, including:
Fully Managed Identity Theft Recovery Services
If you are a victim or suspect identity theft for any reason, simply let us know. You do not have to confirm identity fraud before seeking assistance. We will put you in touch with a professional Recovery Advocate who, depending on your identity fraud incident, will:
This service covers all types of identity fraud, even if it is not related to your account(s) with iQ Credit Union. Types of identity fraud covered include credit/debit card fraud, tax fraud, employment fraud, government documents and benefits fraud, medical fraud, and any other identity fraud recognized by the Federal Trade Commission. (Please refer to Terms and Conditions for details.)
Lost Document Replacement
If you have an important document that has been lost, stolen, or destroyed as a result of an identity theft incident, or if the information has been compromised, we can help. Just let us know, and we will refer you to a professional Recovery Advocate who will work with you to replace your missing documents, including credit cards. Your Recovery Advocate will work with you to contact creditors, cancel the compromised information, and obtain replacement documents.
iQ members also may purchase additional identity theft protection for themselves or any members of their family through our partner, Merchants Information Solutions.
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.
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.