InFocus Checking
Earn More with the Balance You Already Keep
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The Interest-Earning Checking Account for Your Next Financial Step
InFocus Checking is designed for customers who keep a higher balance and want their money to work as hard as they do. Earn interest, access your funds early, and enjoy added perks — whether you bank online from anywhere or visit a branch in Wisconsin, Michigan, or Florida.
Clear benefits. No hassle. All with a checking account built around your goals.
Earn Interest on Every Dollar
With InFocus Checking, your balance doesn’t just sit — it earns. Enjoy competitive interest on every dollar you keep with us, helping your money grow while staying completely accessible.
Rewarded for Staying in Focus
Keep a $2,500 daily account balance and have the $7 monthly maintenance fee waived — because your banking should work as hard as you do.
Get Paid Early1
Access your direct deposit up to two days sooner than your scheduled payday. More flexibility, less waiting — because life doesn’t always run on payroll time.
1We 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.
Everything You Need to Bank Confidently
Mobile & Online Banking
Access your accounts, view balances, and manage transactions anytime, anywhere — all from the IncredibleBank app or online portal.
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Free Cashier’s Checks
Need certified funds? Enjoy unlimited free cashier’s checks as part of your InFocus benefits.
Nationwide Fee-Free ATM Network
Access your money without extra fees at thousands of ATMs nationwide. Convenience should never cost you more.
Account Sweeps
Set up sweep options between your accounts to simplify how you manage your balances
Custom Alerts & Notifications
Stay informed with push notifications, texts, and email alerts for account activity and payments.
Seamless Bill Pay
Pay bills quickly and easily from your account — all online or through the mobile app.
Debit Card Convenience
Tap, swipe, or click to pay securely wherever Visa® is accepted — plus manage your card easily in our app.
Free eStatements
Go paperless with secure, anytime access to your statements — saving time and a few trees along the way.
Local Support from Real People
Our team is right here in Wisconsin, Michigan, and Florida — ready to help whenever you need us. No bots about it.
Why Choose InFocus Checking
InFocus Checking is designed for customers who keep a higher balance and want more from their everyday banking.
Earn interest on your balance, stay eligible for a waived monthly fee by maintaining the account’s required minimum, and experience the personal service that sets IncredibleBank apart.
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Smarter Features. Clearer Focus.
**For details on fees, see our Schedule of Fees.**
IncredibleBank serves customers throughout the country, with branches in Wisconsin, Michigan, and Florida — and gives you the digital tools to manage your money from anywhere.
Stay in control with mobile alerts.
Deposit checks from anywhere.
Track your spending in real time.
Simplify payments with Bill Pay.
Transfer funds instantly between your accounts.
Manage your money your way.
Connect all your accounts in one view.
Save time with direct deposit.
Access your eStatements anytime.
Bank the way you live.
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Tell Us About Yourself
Easily complete our quick online application — it only takes a few minutes.
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Make Your First Deposit
Fund your account with just $25!
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Start Banking in Minutes
Access online and mobile banking, set up Bill Pay, and manage your money effortlessly.
Frequently Asked Questions
What is InFocus Checking?
InFocus Checking is a flexible, interest-earning checking account built for fast, easy online and mobile banking.
How do I open an InFocus Checking account?
Open your account online with a quick application and a $25 opening deposit. Or stop by a branch in Wisconsin, Michigan, or Florida to open it in person.
Can I get paid early?1
Eligible direct deposits may post up to two days early when we receive the payment file from your employer.
Is there a minimum deposit to open an InFocus Checking account?
Yes — you can start with just $25.
Can I use mobile banking and Bill Pay immediately?
Once your account is funded, you can sign up for mobile banking and set up Bill Pay. You’ll be able to manage your money online, in the app, or at a branch in Wisconsin, Michigan, or Florida.
Is my personal information secure?
Yes. IncredibleBank uses secure systems to verify your identity and protect your information during setup and transactions.
Are there any monthly fees?
InFocus Checking has a monthly maintenance fee of $7 if the balance in the account falls below $2,500 any day in the statement cycle.
1We 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.
