Idaho Banking Company - The Art of Banking
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Checking Accounts

Free Checking

Checking account for people who want unlimited check writing without minimum balance requirements. 
  • $100.00 minimum opening deposit
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available 
  • Free online banking with unlimited Bill Pay
  • Monthly statements - no checks or deposits returned with statement 

Regular Checking

Traditional checking account for people who want unlimited check writing with minimum balance requirements. 
  • $100.00 minimum opening deposit
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available 
  • Free online banking with unlimited Bill Pay
  • Monthly statements 
  • Monthly service charge $7.50. No monthly service charge when you maintain an  average daily balance of $100.00 or you maintain $1,000 in a savings account

Interest Checking

Traditional interest checking account for people who want the flexibility of unlimited check writing combined with the benefit of earning interest. 

  • $100.00 minimum opening deposit
  • Variable interest rate calculated on daily collected balances
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available
  • Free online banking with unlimited Bill Pay
  • Monthly statements
  • Monthly service charge $7.50. No monthly service charge when you maintain an average daily balance of $1,000 or more

Premier Interest Checking  

Our Premier account is for customers who maintain high combined balances of $10,000 or more in a checking or savings. Great for those who want an interest bearing checking account with unlimited check writing ability. 

  • $1,000 minimum opening deposit
  • Variable tiered interest rate to reward higher balances
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Direct deposit available 
  • Free online banking with unlimited Bill Pay
  • Monthly statements
  • Free "Image Checks"
  • Free Travelers Cheques, Official Checks, and Money Orders
  • 50% discount on safe deposit box
  • Monthly service charge $15.00. No monthly service charge when you maintain an average daily balance of $10,000 or more in your checking or savings

Prestige Elite Checking  

Our Prestige Elite Account is for customers who maintain an average balance of $25,000 or more and want unlimited check writing ability while taking advantage of premium interest rates.

  • Tiered interest rates to reward higher balances
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free “Prestige Elite” wallet checks
  • Free Official Checks and Money Orders
  • Free Travelers Cheques
  • Free online banking with unlimited Bill Pay
  • 50% discount on safe deposit box rental
  • Refund of ATM surcharges assessed for using another financial institution’s ATM
  • Monthly service charge $15.00. No monthly service charge when you maintain an average daily balance of $25,000 or more

Senior Checking 

Traditional Free checking account for our depositors age 55 and over.
  • $100.00 minimum opening deposit
  • No monthly service charge
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Free direct deposit available 
  • Free online banking with unlimited Bill Pay
  • Free "Image Checks"
  • Free Travelers Cheques, Official Checks, and Money Orders
  • 50% discount on safe deposit box
  • Free notary service

Senior Interest Checking

Interest checking available for our depositors age 55 and over. Great senior benefits with minimum balance requirements.

  • $100.00 minimum opening deposit
  • Variable interest rate
  • Unlimited check writing
  • Free ATM or Visa Check Card - Upon approval
  • Free ATM access at Idaho Banking Company owned machines
  • Free 24 hour access to account information through IBC Phone Express
  • Free direct deposit available 
  • Free online banking with unlimited Bill Pay
  • Free "Image Checks"
  • Free Travelers Cheques, Official Checks, and Money Orders
  • 50% discount on safe deposit box rental
  • Free notary service
  • Monthly service charge $7.50. No monthly service charge when you maintain an average daily balance of $500.00 or more

 

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