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Questions? Just want to talk through your options? However we can help, we're here to listen, answer your questions and point you in the right direction.
Regular Checking
Back to the basics.
A Regular Checking account at Interra gives you an easy and simple option.
- Simple checking.
- Receive a free debit card (usually available at time of account opening).
- Enjoy unlimited check writing.
- Take advantage of state-of-the-art electronic services.
Personal Checking Accounts at Interra Credit Union
Which account fits my needs and lifestyle?
Flex Checking
Interra's premier checking account offering higher rate and additional perks
Regular Checking
Do you prefer a basic checking account?
Minimum to open
Flex Checking
$25.00
Regular Checking
$25.00
No minimum balance
Flex Checking
Regular Checking
Earns dividends
Flex Checking
Up to 1.00% APY² per cycle, when qualifications are met
Regular Checking
No
Monthly service fee
Flex Checking
$9.00 — reduced to $7 if the monthly statement is delivered as an e-Statement, and waived entirely if: 1) average daily balance is $1,000 or more OR 2) total deposit relationship¹ average daily balance is $5,000 or more.
Regular Checking
$6.00 — reduced to $4 if the monthly statement is delivered as an e-Statement, and waived entirely if: 1) average daily balance is $250 or more OR 2) total deposit relationship¹ average daily balance is $1,000 or more.
Unlimited transactions at no charge
Flex Checking
Regular Checking
Mastercard® Debit Card
Flex Checking
Regular Checking
ATM fee refunds nationwide
Flex Checking
Up to $25 per cycle, when qualifications are metÂł
Regular Checking
None
Online Banking
Flex Checking
Regular Checking
e-Statements
Flex Checking
Regular Checking
Bill Pay
Flex Checking
Regular Checking
New:CashBack+
Flex Checking
Regular Checking
Qualification Cycle
Flex Checking
Period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.
Regular Checking
None
How to qualify each qualification cycle
Flex Checking
- Have at least 10 debit card purchases post and clear your account.
- Have at least one direct deposit or ACH auto debit post and clear your account.
- Enroll and receive e-Statements at a valid email address, to which we can deliver.
Regular Checking
None
Communication
Flex Checking
Every month you will receive an email that includes your account activity and will let you know your qualification status. Qualification status isn't required to keep the account open.
Regular Checking
Monthly Statement
Member enrollment required. Account terms effective as of March 1, 2024. ¹Total deposit relationship includes all savings, checking, and share certificate balances per membership account number. Loans or investments held through LPL Financial are excluded. ²Annual Percentage Yield (APY). APYs effective March 1, 2024, and subject to change without notice. Fees may reduce earnings on the account. $25.00 minimum opening balance. Rate tiers: Bonus Rate 1: 1.00% APY on balances of $0.01–$10,000.00 and 25+ debit card purchases per cycle. Bonus Rate 2: 0.50% on balances of $1.01–$10,000.00 and 10–24 debit card purchases per cycle; Second Tiered Rate: 0.15% APY on balances over $10,000.00 and at least 10 debit card purchases per cycle; Base Rate: 0.01% APY applies to all balances if qualifications are not met. The monthly statement will reflect a blended APY if you have balances in different tiers. Dividends are variable based on tier and dependent on all qualifications being met. ³ATM surcharges over $4.99 are not automatically refunded but may be manually refunded by a credit union representative with the presentation of a receipt within 10 business days following the month that the Flex Checking qualifications are met.
Frequently Asked Questions
$25.00, but remember, there is no minimum balance required once your account is open.
Yes, all rates on Regular Checking may change at Interra Credit Union’s discretion.
Interra is committed to providing alternatives and options for our members allowing potential service fees to be entirely waived to $0.
A total deposit relationship refers to the combined balances of all savings, checking, money market and share certificate balances per membership account number. Loans and investments held through Interra Wealth Services (LPL Financial) and are not included in the total deposit relationship.
Accounts will be evaluated on a monthly cycle. If at least one of the criteria is met (see above for the criteria), there will be no service fee for that month.
Yes, if the account qualifies.
If you would like to adjust your checking account to a different one that better meets your banking needs, you can do this in your digital banking. Follow these 4 steps once logged in.
- From the Menu, select Secure Forms.
- Select Checking Account Converter.
- Choose an option from the “I would like to convert my checking to a . . .”.
If you have more than one checking account, be sure to define the share suffix that correlates to your checking account that should be changed. - Click Submit.
The Door's Always Open
Whether you have questions, need guidance or are ready to take the next step, we're here to help. Schedule a time that works for you, and we'll be ready to welcome you.
Digital Banking
Banking that keeps up with you. Manage your money anytime, anywhere with Interra’s convenient digital tools. From online and mobile banking to mobile deposit, digital wallets, Zelle®, bill pay, account alerts and more, everything you need to stay connected to your finances is right at your fingertips.
1APY effective as of March 1, 2026, and subject to change without notice. Fees may reduce earnings on the account. $25.00 minimum opening balance. Rate tiers: Bonus Rate 1: 1.00% APY on balances of $0.01-$10,000.00 and 25+ debit card purchases per cycle; Bonus Rate 2: 0.50% APY on balances of $0.01-$10,000.00 and 10-24 debit card purchases per cycle; Second Tiered Rate: 0.15% APY on balances over $10,000.00 and at least 10 debit card purchases per cycle; Base Rate: 0.01% APY applies to all balances if qualifications are not met. The monthly statement will reflect a blended APY if you have balances in different tiers. Dividends are variable based on tier and dependent on all qualifications being met. 2 Total deposit relationship includes all savings, checking, and share certificate balances per membership account number. Loans or investments held through LPL Financial are excluded. Each checking account will be subject to the monthly account fee. Monthly service fee will be imposed on the last day of each month. Each checking account you may have will be subject to the service fee. 3ATM fee refunds up to $25.00 are provided only if qualifications are met within the qualification cycle. Fee refunds are only applied to withdrawals made from the Flex Checking account. ATM surcharges over $4.99 are not automatically refunded but may be manually refunded by a credit union representative with the presentation of a receipt within 10 business days following the month that the Flex Checking qualifications were met. 5Monthly service fee will be imposed on the last day of the month. Each checking account you may have will be subject to the service fee.Â