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Enjoy Smart Checking with iQ

With all iQ accounts, you get great value-added services, such as:

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

Basic Checking

Overdraft Protection

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

Free Identity Theft Protection for Primary Account Holder

Intelligent Checking

Everything in Basic Checking and also:

Earn 2.50% Annual Percentage Yield (APY)* on balances up to $25,000

*Terms and conditions apply

Earn 1.00% APY* on balances over $25,000

*Terms and Conditions Apply

No Monthly Fee or Minimum Balance Requirement

Non-iQ ATM Fees Paid

Up to $25/month*

Overdraft Protection

Optional

Interest Checking

Everything in Basic Checking and also:

Overdraft Protection

Optional

Competitive Interest Rates

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

Rates effective July 18, 2019
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Intelligent Checking

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:

  • 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 2.50% APY*
  • Account balance in excess of $25,000 earns 1.0% APY*

To qualify for intelligent checking, you just need:

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

Why not get rewarded each month for having money in your account? 

Apply Today

*Terms and conditions apply.

Identity Theft Protection

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.

Learn more about Identity Theft Protection Services

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

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

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"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

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"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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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 (21 and older)- $5.00
  • Minor Accounts (20 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. 

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:

  • Perform research to determine the extent of the problem, including a review of all three credit reports (if appropriate)
  • Assist with the placement of fraud alerts with the three major credit bureaus
  • Write letters/make calls on your behalf to dispute fraudulent information
  • Coordinate with government agencies, financial institutions, creditors, etc. to resolve incidents
  • Work with law enforcement to help arrest and prosecute the criminals
  • Follow up for 12 months after recovery

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. 

Learn More

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 2.50% annual percentage yield (APY)) if monthly requirements are met.

On balances exceeding $25,000.00, dividends are earned at 1.00% 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.

Learn More

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