High-Yield Checking

Open a high-yield checking account to receive all the benefits of a normal checking account, while watching your money grow along the way.

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Our High-Yield Checking Account Gives You More


0.05% APY

Earn interest on your account today. Learn More

Free Domestic ATMs

We'll reimburse your fees on any ATM transaction nationwide.

Free Perks

Free wires, free paper statements, and free checks.

Why Open A Checking Account With IncredibleBank?

No Bank Treats You Better

Our mission is to grow our customers' entire financial relationship, and we believe that starts by providing incredible customer experiences in every aspect of your banking relationship.

Information Security
IncredibleBank works around the clock to protect your information and data security. You can rest easy knowing your money is safe with us.
Personalized Customer Service
We believe in the power of personal relationships, and that's why you will always be able to talk to a live person when you call or message us via our mobile app.
Nationwide Coverage

With customers in all 50 states we offer the tools you need for a seamless banking experience, no matter where you are. Feel free to travel the country without being tied to a local branch.

Industry Leading Mobile App

Deposit your checks, pay your bills, and transfer money remotely anytime, anywhere with the IncredibleBank app! To learn how, click the link below.

FDIC Insured

Have peace of mind knowing your deposits are federally insured up to $250,000. Unlike other financial technology companies, IncredibleBank is a bank backed by the FDIC.

Get Started Today

Applying for an account is free and takes less than 5 minutes with no impact to your credit score.

Open Account

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 What's Included In Your IncredibleBank Checking Plus Account:

Unlimited Debit Card Transactions
Online Bill Pay
eStatements
Unlimited Check Writing
24-Hour Telephone Banking
Overdraft Protection Up To $1,000

Open Your High Yield Checking In 5 Minutes Or Less

1

Tell Us About Yourself


We'll need some information from you like name, address, and birth date to open your IncredibleBank Checking Plus account.

2

Deposit Funds


Minimum of $100 for your first deposit, and you can fund from an external bank account or another IncredibleBank account.

3

Download Our App


Be sure to download our industry-leading mobile app to take your IncredibleBank experience to the next level!


No Bank Treats You Better

At IncredibleBank, we are known for our Incredible Customer Experience (ICE). ICE continuously evolves based on what you value most, not what we think you want from us. This includes developing delivery channels that allow you to bank with us when and how you want. We communicate with you all the time, via your preferred communication method. Our teams understand your needs and recommend solutions and technology that fit your goals and lifestyle.

Customer Reviews


Average Reviews: 4.8 stars (over 250 reviews)

 
"Extremely friendly and helpful staff they always are able to answer my questions and can help me with any problem. I drive from Oshkosh once a month to continue banking here because no other bank can compare! I hope they decide to expand further south soon :)."
 
Sylvia K. - IncredibleBank Customer
 
"From day one of becoming a member at this bank, I have been beyond impressed by all aspects this bank had to offer. Everyone that I have met with or spoken to in all departments has been helpful, kind, and upbeat. I’m not sure what your secret is, but keep up the good work! I highly recommend this bank!"
 
Barb R. - IncredibleBank Customer
 
"Incredible Bank is truly “incredible.” The bank is not an organization, institution, corporation, etc., to us, its customers/clients. Instead, it feels like our neighbor who gives a helping hand when needed. In particular, Angela Stephens, as Director of Home Lending, gives exceptional service which is “next door neighbor” centered. Professional, resourceful, expert, helpful, caring. She and IC give witness to those attributes. Thank you Angela, and thank you IC."
 
Attila W. - IncredibleBank Customer

Frequently Asked Questions

A high-yield checking account differs from a regular checking account in that you earn interest on the balance that remains in your checking account.
We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to your account at the end of each statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Yes, we require a $100 to open an IncredibleBank Checking Plus account.
Click the Open Account button at the top of the page, fill out the application, fund your account, and voilá!
You are not required to maintain a minimum balance. However, if the average ledger balance of your IncredibleBank Checking Plus account falls below $10,000, a $10 maintenance fee will be imposed. If you are concerned about maintaining this minimum balance threshold, check out our IncredibleBank Checking.  
Yes, IncredibleBank has FDIC deposit insurance on all deposit accounts coving depositors dollar-for-dollar, principal plus any interest accrued or due to the depositor, through the date of default, up to at least $250,000. For example, if a person had a checking account with a principal balance of $150,000 and $50 in accrued interest, the full $150,050 would be insured, since principal plus interest did not exceed the $250,000 insurance limit for each account. FDIC insurance may vary based on your situation. It's best to use the FDIC insurance calculator to determine your exact coverage.
You must deposit $100.00 to open this account. Aside from that, there is no time requirement for additional funding. A maintenance fee of $10.00 will be imposed each statement cycle that the average ledger balance is less than $10,000.00 for that cycle. The average ledger balance is calculated by adding the principal in the account at the end of each day in the period and dividing that figure by the number of days in the period.
Download the IncredibleBank app. Once you've signed in, from the menu, select Accounts. Select the relevant account. On the account detail screen, select Documents. Accept the service agreement terms presented. Select Enroll All Accounts. Select Enroll. Watch this easy to follow Estatement Enrollment tutorial video for step by step instructions.

Personalized Customer Service


This is April, our Customer Experience Lead. She is here to answer any questions you may have. At IncredibleBank, we believe in the power of personal relationships, and that's why you will always be able to talk to a live person when you call or message us via our mobile app. April and her team can help you with opening your checking account, troubleshoot any issues you may be experiencing, and are great resources for any financial questions you may have.

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