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 fees, and earns interest up to 2.50% 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.
"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:
Valid Social Security number, Tax ID number or Employee Identification number:
For non-citizens that do not have a TIN, a signed W-8BEN form must be obtained and acceptable identification such as a US-issued Alien ID card or foreign passport showing evidence of nationality/residence.
Applicants must provide their physical address on the account application
A PO box may be provided as a mailing address, as long as a physical address is also provided.
If ID displays a previous address; a utility bill, rental agreement or mortgage paperwork showing their name may be used to verify new address.
U.S. Adult Persons (18 years of age & older):
U.S. Children & Students (Ages 17 & under):
Non-U.S. Persons (All ages):
Required Documents for Business Accounts:
Limited Liability Company (LLC):
Association, Club, & Organization Accounts:
If you have already tried to resolve the issue with the merchant, please stop by your local branch and complete a cardholder dispute form, or call 800-247-4364. Disputes should be filed within 60 days of the disputed transaction.
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 it is after business hours, please call 888-918-7731 or 727-572-7723 (international) to block your card immediately. Contact us the next business day or stop at a local branch to receive a new card the same day.
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 2.50%) if monthly requirements are met.
On balances exceeding $25,000.00, dividends are earned at 1.00% if monthly requirements are met.
Dividends are earned at 0.05% 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.