Compare Checking Accounts

See the Differences. Choose What Works Best.



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Find the Checking Account That Fits You

Compare InSight and InFocus Checking side-by-side to see which account best meets your needs — whether you’re looking for low fees, interest earnings, or added perks.

Explore key features, benefits, and eligibility, then start banking online from anywhere in the US or at a branch in Wisconsin, Michigan, or Florida.

Feature
InSight Checking
InFocus Checking
Minimum to Open
$25
$25
Monthly Maintenance Fee
None
$7 (waived with $2,500 daily account balance)
Interest-Earning1
✖
✔
Access to Fee-Free ATMs
30,000+ 
30,000+ 
Online & Mobile Banking
✔
✔
Early Access to Direct Deposits2
✔
✔
Account Sweeps
✔
✔
Free eStatements
✔
✔
1 Interest earnings are subject to the terms and rates listed on our Rates Page
2 We generally make these funds available the day we receive the payment file or two days prior to the scheduled payment date, whichever comes later. Whether a direct deposit is eligible for early access is at our discretion and we cannot guarantee that you will always receive your direct deposit funds prior to the scheduled payment date.



Which Checking Account Is Right for You?

InSight Checking

Simple, everyday checking — perfect if you want a straightforward account with no monthly maintenance fees.

  • Easy to manage day-to-day finances
  • No monthly maintenance fees
  • Access to 30,000+ fee-free ATMs 
  • Mobile & online banking with Bill Pay
  • Early access to direct deposits
Open InSight Checking

InFocus Checking

Interest-earning checking — ideal if you maintain higher balances and want to be rewarded.

  • Earn interest on your balance
  • $7 monthly maintenance fee waived with $2,500 daily account balance
  • Early access to direct deposits
  • Mobile & online banking with Bill Pay
  • Access to 30,000+ fee-free ATMs 
Open InFocus Checking


























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Ready to feel confident in your choice?

Find quick answers to the most common questions about InSight and InFocus Checking.











Checking Account FAQs

f you want simple, low-fee checking, InSight Checking is ideal. If you maintain higher balances and want to earn interest, InFocus Checking is your best option.
Both InSight and InFocus Checking accounts require a minimum opening deposit of $25.
Yes! You can switch from InSight to InFocus (or vice versa) at any time. Contact your local branch or online support for assistance.

All IncredibleBank deposit accounts are FDIC insured up to the standard limits.

Yes! Both accounts include access to Bill Pay, mobile deposits, and full online banking features.
The InSight Checking Account has no monthly maintenance fee. The InFocus Checking Account has a $7 monthly maintenance fee, waived if your daily account balance is $2,500 or more. For a full list of fees, please see the Schedule of Fees.