INline Checking FAQs

$25.00, but remember, there is no minimum balance required once your account is open.

The qualification cycle is a 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. For example, a qualification cycle beginning September 30 would end October 30. The next qualification cycle would begin October 31 and end November 29. All other qualification cycles would follow this same pattern.

Don’t worry. As long as you have enrolled in and receive e-Statements, you will not have any monthly service charges and you can start over to earn the rewards during the next qualification cycle. There is a $2.00 paper statement fee each month if you do not receive e-Statements.

Yes, as long as you meet the qualifications.

  • ATM fees for withdrawals made from your INline account are refunded on the last day of each statement cycle.
  • iTunes or Amazon.com credits earned for a completed cycle are reimbursed on the last day of the month. Credits are issued up to the dollar amount earned that have not expired.

If the qualifications are met, all ATM fees up to $25 nationwide will be refunded on the last day of each monthly statement cycle. The refunds include surcharge and foreign transaction fees. Only fees assessed for ATM withdrawals made from the INline Checking account will be refunded. International ATM fees will not be refunded.

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 INline Checking qualifications were met.

No. Only debit purchase transactions count toward the qualified transactions.

A settled transaction is one that has posted to your account. When you use your MasterCard debit card, the merchant places a memo hold on your account in the amount of your purchase. It can take up to three business days before the transaction posts or clears.

No, you must meet all three requirements each qualification cycle.

No, you must accept electronic delivery with a valid e-mail address. We strongly recommend that you review your statement monthly to properly reconcile to your check register.

Yes, of course! You don’t have to own a computer, but you must provide a valid e-mail address for notification of availability of each e-Statement. Also, you must find a way to access online banking at least once a month.

You can print a copy of a check or statement via Interra Online Banking.

You must notify the credit union when your e-mail address changes so that we can deliver your notification of your statement availability. You can update you e-mail address through Interra Online Banking.

There is a $2.00 paper statement fee assessed each month you do not receive eStatements.

You will receive a “Welcome” e-mail from Interra Credit Union (msg@interracu.com). The subject line will be: INline Checking. Be sure to save this e-mail address on your approved e-mail address list. At the end of each qualification cycle, you will receive an e-mail from the above address and subject. It will include your account activity based on the requirements and let you know if you qualify or do not qualify for the rewards. If you do not qualify one month, don’t worry. You will be starting a new cycle and a new opportunity to earn rewards.

Yes, if applicable.

Unfortunately, no. However, you can start right away earning your qualifications for the next cycle.

Yes, if the account qualifies.

No, only personal accounts qualify.

In Interra Online Banking you can view the number of qualified debit card transactions under your INline Checking account.

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INline Checking


Turn it up with your checking account!

  • Earn up to $5 in iTunes®, Amazon.com®, or Google Play™ credits each cycle1
  • Receive $20 in credits just for opening your account
  • Get up to $25 ATM fee reimbursements nationwide per qualification cycle2
  • Free debit card 
  • No minimum balance
  • No monthly service charge when you enroll in and receive e-statements

To qualify each cycle3

  1. Have at least 15 debit card purchase transactions post and clear your account.
  2. Access online banking at least once per cycle.
  3. Enroll in and receive e-Statements at a valid e-mail address to which we can deliver. (There is a $2.00 paper statement fee.)

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Voted by the readers, the best of the best, 2018, by the Goshen News. The Elkhart Truth, voted the best of Elkhart County, 2018. Voted the Favorite of Elkhart County by The Elkhart Truth, 2018.

1 Earn iTunes, Amazon.com, or Google Play™ download credits up to $20.00 upon initial account opening, regardless of qualifications. Earn up to $5.00 in iTunes, Amazon.com, or Google Play download credits each cycle the minimum qualifications are met. Downloads must be purchased with your Interra debit card associated with your INline account.

2 ATM fee refunds up to $25.00 provided only if qualifications are met within the qualification cycle. Fee refunds are only applied to withdrawals made from the INline 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 INline Checking qualifications were met.

3 Minimum balance to open the account is $25.00. No minimum balance required to maintain the account. Qualifying purchases or other transactions must post and clear the account during the qualification cycle. Purchases/Transactions may take one or more business days from the transaction date to post to an account from the date the purchase/transaction is made. Intra-credit union transfers do not count as qualifying transactions.

iTunes™ is a trademark of Apple, Inc., Amazon.com™ is a registered trademark of Amazon, Inc. and Google Play™ is a registered trademark of Google, Inc. Apple, Inc., Amazon, Inc. and Google are not participants in or sponsors of this program.

Read the complete INline Checking Truth-in-Savings Disclosure.

Equal Housing Lender ASI

Your savings insured to $250,000 per account.  By members' choice this institution is not federally insured.