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Free Incredible Checking


Welcome to Free Incredible Checking. The newest fee-free product from your favorite online bank. The online checking account that also gives you easy access to your IncredibleBank online savings account. But it doesn’t stop there. Beyond being fee-free, Free Incredible Checking offers a number of free features you won’t get with other banks, from free nationwide ATM access, to free bill pay and free pay-a-person. Have we mentioned they’re free?

Benefits of a Free Incredible Checking Account
  • No account fees
  • Free online and mobile banking
  • Download our free mobile app (from the App Store or Google Play ) and log in using your online banking credentials
  • Free online bill pay
  • Free Visa® debit card
  • Fee-free ATM access through MoneyPass ® network
  • Domestic ATM fees automatically reimbursed*
  • Insured by the FDIC up to the maximum allowed by law ( estimate your coverage )
  • Talk to a real person at 877-261-4750

Open an Account

You’ll be doing more with this online checking account than you ever imagined. In fact, there’s not much it cannot do. Well, there’s one thing. It can’t act like a savings account. So you’ll want to sign up for an IncredibleBank online savings account while you’re at it, to get a highly competitive rate on your excess savings, and use your Free Incredible Checking for your daily banking needs.

Other Account Features
  • $50 minimum deposit to open an account. Fund your new account from an existing IncredibleBank account or from another financial institution via electronic funding (ACH).
  • Deposit additional funds into your account with our mobile app, direct deposit, bank-to-bank transfer, wire transfer or mail us the check.
  • Paper checks available upon request by calling 877-261-4750 .

Managing Your Money

  • Using Bank to Bank transfers you can transfer money between your Incredible checking and savings accounts and accounts you may have at other U.S. financial institutions. The cutoff time for initiating transfers is 4:00 pm CST.
  • We offer domestic inbound and outbound wires. See the Schedule of Fees for details.
  • Some products and services, such as debit cards, online banking, mobile banking, and bill pay are subject to additional terms and conditions. Certain services may also be subject to internet service provider fees.

*International ATM fees are not reimbursed

Problems balancing your checking account? Try this helpful checkbook calculator!

Revocable Trust Ownership
A Simple Online Process

Trust us—you've got this! And we want to make setting it up an easy experience.
The Apply Now button below will take you to a fillable PDF application. Review the step-by-step instructions, print or complete the form online, then securely upload the app and necessary support documents through our secure upload portal. 

Application Instructions:
1. Open, complete and download the Trust Application.
2. Gather any required documents and upload with your completed application via our Secure Upload.
3. An IncredibleBank concierge will call or email you within two business days about the status of your application.
4. If you have any questions along the way, contact one of our incredible concierges at 877-261-4750.