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Back to the basics.

A Regular Checking account at Interra gives you an easy and simple option.

  • Free checking.
  • Earn 0.01% APYon your entire balance.
  • Receive a free debit card.
  • There is no minimum balance requirement.2
  • There is no monthly service charge.
  • Enjoy unlimited check writing.
  • Take advantage of state-of-the-art electronic services.
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Flex Checking vs. Regular Checking
Personal Checking Accounts at Interra Credit Union
Flex Checking Regular Checking
Which account fits my needs and lifestyle? Interra’s premier checking account offering higher rate and additional perks. A simple, basic checking account.
Minimum to open $25.00 $25.00
Minimum balance $0.00 $0.00
Earns dividends Up to 5.00% APY per cycle, when qualifications are met Yes
Monthly service fee None, if you sign up for e-statements. Otherwise there is a $2.00 monthly paper statement fee. None
Unlimited transactions No charge No charge
Debit Card Included Included
ATM fee refunds nationwide Up to $25 per cycle, when qualifications are met. None
Online Banking Yes Yes
e-Statements Yes Yes
FREE Bill Pay Yes Yes
Qualification Cycle 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. None
How to qualify each qualification cycle Have at least 20 debit card purchase transactions 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. ($2.00 paper statement fee.) None
Communication 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. Monthly Statement
Q:

What is the minimum opening balance for a Regular Checking account?

A:

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

Q:

Can the APY change on a Regular Checking account?

A:

Yes, all rates on Regular Checking may change at Interra Credit Union’s discretion.

Q:

Will Regular Checking members receive a 1099 at the end of the year reflecting dividends earned?

A:

Yes, if applicable.

Q:

Is overdraft protection available for Regular Checking accounts?

A:

Yes, if the account qualifies.

1Annual Percentage Yield. APY effective January 1, 2019, and are subject to change without notice. 0.01% APY applies to all balances. Rates may change after the account is opened. Fees may reduce earnings.2Minimum balance to open the account is $25.00. No minimum balance required to maintain the account.