Free Online Checking Account No Opening Deposit


Mar 01, 2021 CIBC Bank (Member FDIC): This online bank offers a variety of checking and savings accounts, but most require a minimum opening deposit or charge a fee if your balance falls below a certain amount. To be eligible for Free Checking, you must sign up to receive First Citizens paperless statements within 60 days of account opening.

Checking Account Benefits

  • Free Online eStatements
  • Free Visa Debit Card
  • Free Automatic Transfers
  • Overdraft Protection Options
  • Free Direct Deposit
  • Free Check Images
  • And Much More!
See Rates
Money Market Checking
BalanceAPY*Interest Rate
0-2,4990.000%0.000%
2,500-24,9990.050%0.049%
25,000-49,9990.100%0.099%
50,000-99,9990.100%0.099%
100,000+0.100%0.099%

Instant Checking Account No Deposit


Online

Free Online Checking Account No Opening Deposit Required

*APY - Annual Percentage Yield
Rates valid for Saturday, March 6, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Account TypeBest if...Minimum Balance & Monthly Fees
Free CheckingYou want a free checking account.

None

+ MORE DETAILS
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Free Checking

With an Idaho Central FREE Checking Account, you’ll receive more perks and benefits than anywhere else!

Must be 18 years of age or older to open checking account online.

  • No minimum balance and no monthly fees
  • Free instant-issue Visa Debit Card
  • Control purchases on your Debit Card with CardControl
  • Free Card Fraud Monitoring
  • Free Online Banking with Bill Payment and Online eStatements
  • Free Mobile Banking
  • Low, fixed-rate Visa Credit Card†
  • Free Google Pay™, Samsung Pay®, and Apple Pay® with Mobile Wallet
  • Free access to over 30,000 ATMs nationwide
  • NCUA insured up to $250,000
  • Free Direct Deposit
  • Free Credit Score & Monitoring

On approved credit.

Money Market CheckingYou want a checking account that earns interest.

$2,500 or $10/month

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Money Market Checking

If you want a checking account that will go to work for you, open an Idaho Central Money Market Checking Account and earn a great rate on your account balance.

Must be 18 years of age or older to open checking account online.

  • $2,500 balance or $10 monthly fee
  • Earns a competitive interest rate*
  • Free instant-issue Visa Debit Card
  • Control purchases on your Debit Card with CardControl
  • Free Card Fraud Monitoring
  • First box of 100 personalized checks free
  • Free Online Banking with Bill Payment and Online eStatements
  • Free Mobile Banking
  • Low, fixed-rate Visa Credit Card†
  • Free Google Pay™, Samsung Pay®, and Apple Pay® with Mobile Wallet
  • Free access to over 30,000 ATMs nationwide
  • Free Money Orders
  • First year’s rent free on a 3″ x 5″ safe deposit box
  • NCUA insured up to $250,000
  • Free Direct Deposit
  • Free Credit Score & Monitoring

*Interest rate and annual percentage yield are variable. May change at any time.

On approved credit.

Starter CheckingYou want a completely free checking account for teens ages 12-17.

None

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Starter Checking

One of the first steps toward financial freedom is having a checking account. Idaho Central offers an account made specifically for teens up to 17 years old. A Starter Checking Account allows you to make purchases and pay your bills online.

  • No minimum balance or monthly fees
  • Free instant-issue Visa Debit Card
  • Control purchases on your Debit Card with CardControl
  • Free Card Fraud Monitoring
  • Free Online Banking with Bill Payment and Online eStatements
  • Free Mobile Banking
  • Low, fixed-rate Visa Credit Card†
  • Free Google Pay™, Samsung Pay, and Apple Pay™ with Mobile Wallet
  • Free access to over 30,000 ATMs nationwide
  • Earn $25 for referring a friend to open a checking account
  • NCUA insured up to $250,000
  • Free Credit Score & Monitoring
  • Free Direct Deposit

On approved credit.

Make The Switch

In just a few simple steps, you can be on your way to enjoying all the benefits of an ICCU membership.

Open Your Account

For your convenience, you can open your account online right now! The process is easy, and we’ll walk you through it step by step. Or if you prefer, stop by and open your account at any ICCU branch.

Switch Your Direct Deposit and Automatic Payments

Once you have opened your account you will need to switch your Direct Deposit and automatic payments to your new ICCU account. Don’t worry, this is easier than you think. Simply use our Switch Kit Checklist to guide you through the letters listed below.

Direct Deposit LetterACH Withdrawal Letter

Closing Your Old Account

Before closing your old account, make sure the following have been completed:

All checks have cleared your old account
All Direct Deposit and automatic payments have been switched to your new ICCU account
For your protection, destroy any remaining checks, debit cards and ATM cards from your old account

Upon completion of these steps, submit a Letter of Closure to your old financial institution.

Apply For Your
Checking Account Today

Free

Idaho Central Credit Union offers a variety of checking account options. Whether it's a totally FREE checking account or a checking account that earns a competitive interest rate, we've got one that's just right for you.