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!
Money Market Checking
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.050% | 0.049% |
| 25,000-49,999 | 0.100% | 0.099% |
| 50,000-99,999 | 0.100% | 0.099% |
| 100,000+ | 0.100% | 0.099% |
Instant Checking Account No Deposit
Free Online Checking Account No Opening Deposit Required
*APY - Annual Percentage YieldRates 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 Type | Best if... | Minimum Balance & Monthly Fees |
| Free Checking | You want a free checking account. | None + MORE DETAILS |
| Close | ||
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.
†On approved credit. | ||
| Money Market Checking | You want a checking account that earns interest. | $2,500 or $10/month + MORE DETAILS |
| Close | ||
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.
*Interest rate and annual percentage yield are variable. May change at any time. †On approved credit. | ||
| Starter Checking | You want a completely free checking account for teens ages 12-17. | None + MORE DETAILS |
| Close | ||
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.
†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 LetterClosing 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
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.