You know the old saying, “You have to spend money to make money”? At iQ, that is literally true with our Easy Saver program.
Once you enroll in Easy Saver, you earn money with every debit card transaction. Every time you make a debit card purchase, the amount is automatically rounded up to the next dollar, and the difference is deposited into your savings account. Every quarter you receive a match of 5% on everything you save, up to $300 each year.
When you spend using Easy Saver, it literally puts money in the bank!
iQ’s money market accounts offer competitive interest rates and give you more flexibility with your savings.
Maintain a balance of $1,000 to start, and watch your money grow. Depending on your balance, you land in one of four tiers, each with its own APY—the more you deposit, the higher the return.
Rates are calculated daily, and funds are readily accessible. You can make up to six withdrawals per month without incurring fees.
Use your savings account to help chart your path for retirement planning. iQ offers competitive rates on IRA certificates. Opening an IRA account is your first step to a more secure future.
Looking for other savings options? You might also consider opening a money market account or purchasing certificates of deposit.
Certificate of deposit (CDs) are a risk-free way to save money and earn a higher yield. Certificates of deposit give you a higher interest rate in exchange for a commitment to save the money for a period of time, from a few months to a few years. You get a guaranteed rate of return, and your money is secure.
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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:
There are limits imposed by Federal Regulation D on the number of transfers you can make from your Savings or Money Market Account. (These are remote or automated transfers without your physical presence at a branch.) The types of transfers subject to these limitations include:
Six transfers are allowed per savings account per calendar month, either to another iQ account or to a third party.