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Checking Account

With IncredibleBank checking, you get convenient access to your money and a great interest rate—the best of both financial worlds.

Annual Percentage Yield


Open an Account

Download our free mobile app and log in using your online banking credentials.

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Account Features:
  • Free online and mobile banking
  • Free online bill pay
  • Visa® check card
  • Fee-free ATM access through MoneyPass network
  • External ATM fees automatically reimbursed (international ATM fees are not reimbursed)
  • Paper checks available on request by calling 877.261.4750
  • $1,000 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.

Managing Your Money:
  • Starting 60 days after you open an account, you may request that we enable bank-to-bank transfers for you. Maximum of three inbound transfers per business day, not exceeding a total of $50,000. Maximum of three outbound transfers per business day, not exceeding a total of $10,000. The cutoff time for initiating transfers is 4:00 pm CST. Please call us at 877-261-4750 to request this feature.
  • We do not offer outbound wires at this time.

More Information:
  • Rate and APY accurate as of August 26, 2016. Rate is variable and is subject to change.
  • At this time, we don’t offer the ability to open accounts in the name of a revocable living trust. Instead, you may add your trust as a beneficiary of your account.
  • A maintenance fee of $15 will apply if the average collected balance of the account falls below $300 during the statement period. The maintenance fee will be waived if the average collected balance of your deposit accounts is $5,000 or more during the statement period.
  • A $5 paper statement fee will apply if the account is not enrolled in e-statements through online banking. (See schedule of fees for more information.) Fees may reduce earnings.
  • Interest accrues daily and is credited to your account at the end of each monthly statement period.