Woman looking at tablet in one hand and paper in the other

Compare Checking Accounts

With all the options out there, we're here to make choosing your checking account simple. Compare our accounts options, choose the right one for you, and open your account!

Choose a theme for the callout box above:

Choose the Checking Account That's Right For You

IncredibleBank Checking Xcel IncredibleBank Checking IncredibleBank Checking Plus
This account is for you if...

You are looking for the added financial confidence of getting your direct deposits early.*

You're looking for a simple account to manage your everyday finances. You carry a higher balance and want to be rewarded with interest.
Minimum to Open No required minimum No required minimum No required minimum
Minimum Balance $0 $0 $10,000 to avoid $10 monthly maintenance fee
Get Direct Deposits up to 2 Days Early*

Mobile Banking and Online Banking
Maintenance Fees None None $10 if average ledger balance drops below $10,000
Access to Over 30,000 ATMs
VISA® Debit Card
eStatements Available
Earns Interest

Free Paper Statements

Free Incoming Wires
Free Outgoing Wires (Domestic & International)

IncredibleBank Checking Xcel

IncredibleBank Checking

IncredibleBank Checking Plus

*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.

Your Social Security Number

A Valid ID

A driver's license or other government issued ID

Account and Routing Number

From your current banking relationship, these will help fund your account

All Our Checking Accounts Include:

Access to Over 30,000 ATMs

View which ATMs across the country(Opens in a new Window) are no-fee for you!

Industry-Leading Mobile App

Pay your bills, transfer money, view your statements, and more on the IncredibleBank mobile app.

Visa® Debit Card

Use this card to withdraw funds from over 30,000 ATMs across the country, no fee included.

Unlimited Debit Card Transactions

Use your IncredibleBank Visa® Debit Card as many times as you'd like with no repercussions!

Mobile Deposits From Anywhere

Deposit your checks remotely with our mobile app! To learn how, click the link below.

Online Bill Pay

Set up automatic payments to reoccurring bills, to make your life easier and spend less time thinking about bills.

Unlimited Check Writing

Yes, we get the irony. It's sort of the opposite of online bill pay, but a lot of people still write checks, so write away.

24-Hour Telephone Banking Access

Simply dial 866-777-7872 for touch-tone banking information about your online checking account.


Save a tree and sign up to have your statements sent to you via email.

Choose a theme for the callout box above:

How To Open Our Online Checking Account


Tell Us About Yourself

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


Deposit Funds

Make your opening deposit! You can fund from an external bank account, another IncredibleBank account, cash, or check.


Download Our App

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