Basic Checking

An Easy Way to Deposit Paychecks and Pay Bills

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Benefits of a Credit Union Checking Account

Seek a More Personal Banking Experience

There are many reasons to consider iQ Credit Union rather than a bank

  • Heart-Hands

    Credit unions are not-for-profit cooperatives owned by their members

    If you join a credit union, all the profits from the credit union go back into services to benefit you—its member. This typically translates into better rates on interest for savings accounts and loans.

  • Safe

    Credit unions are federally insured just like banks, so your money is secure

    Credit union accounts are insured for up to $250,000 by the National Credit Union Administration (NCUA).

  • Feedback

    Credit unions have a reputation for delivering superior customer service and satisfaction

    You are a member instead of a customer and own shares in the credit union.

What’s better than being #1? Being #1 two years in a row!

We love having plaidtastic members like you who helped us earn this prestigious Forbes title. 99,500+ iQ members made this possible. Less than 4% of the thousands of credit unions nationwide even made the list.

We don’t do it for the awards, but to see the positive impact we leave on our members and the communities where you live, work, and play.

Learn More

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Features

Expect More From Your Checking Account

  • Smartphone-Money

    Mobile Banking Access

    Deposit checks, pay people, use your mobile device to pay in stores, and more.

  • Checkmark-Shield-2

    Overdraft Protection

    Optional2

  • no-fee

    $0 monthly service fee or minimum balance requirement

  • Apply Online

    Free online banking, bill pay, & money management software

  • ATM-Withdrawl

    Nationwide network of 30,000 ATMs

    With absolutely no fees

  • Cash-To-Card

    Visa Debit Card

    Get your card instantly in any branch!

  • Piggy-Bank2

    Direct Deposit

  • Check (email)

    Unlimited Check Writing

  • Shared-Money

    Person-to-person money transfers

*Full Account Disclosures
*TISA Disclosure available here.

Personal Fee Schedule
2Overdraft Best Practices and Disclosure

*If your account has been open for at least thirty days and is in good standing, iQ Credit Union may, but is not obligated, to pay overdrafts on your account. An overdraft can occur when there are not sufficient funds in your account to pay an item presented against your account such as a check, electronic fund transfer or ACH, bill payment, or other debit on your account. A fee of up to $30 may be assessed for each overdraft. Overdrafts and subsequent fees are payable immediately; negative accounts must be brought positive within thirty days of the account going negative.

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Calculators 

Use our helpful calculators to help guide your decision

Checking FAQs

What do I need to open an account?

Eligibility for membership:

  • Any person who lives, works, or attends school in the State of Washington
  • Any person who lives or works in the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill
  • Any immediate family member of an existing iQ member. This includes:
    • Spouse, parents, grandparents, children, grandchildren, brothers, sisters, aunts, and uncles; also including “half” and “step” siblings, parents, and grandparents; and
    • Domestic partner of a member
  • Members of the Pacific Foundation for Blind Children (PFBC) who live or work within the state of Oregon
  • Certified or Classified school employee within southwest Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) that are legal entities within the State of Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) located within the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill

Minimum deposit to open an account:

  • General Membership (18 and older)- $5.00
  • Minor Accounts (17 and younger)- $5.00
  • Non-Profit Organizational Accounts- $5.00
  • Business Accounts- $5.00

Other Requirements:

  • Government-issued ID with photo with current address: Driver’s license, State ID, U.S. Passport, U.S. Armed Forces ID card
  • Your Social Security Number (SSN) or Tax Identification Number (TIN)
  • Current rental agreement, utility bill or mortgage statement for address verification

Association, Club, & Organization Accounts:

  • Meeting minutes outlining the title of the Authorized Signers
  • Valid ID for all signers
  • EIN is required

How do I dispute a debit card or credit card transaction?

Please contact the Credit Union at 800-247-4364 or stop by your local branch to initiate a dispute on your debit or credit card. We will advise you on the best way to proceed with the dispute. Please contact us promptly, otherwise you may incur increased liability for the transactions.

What if my iQ Visa card is lost or stolen?

If you discover your card has been lost or stolen, call the Member Contact Center immediately at 360-695-3441 or 800-247-4364. If you are traveling outside the United States, please call 727-572-7723 to block your card immediately. You may stop at a local branch to receive a new card the same day, or call us during business hours to order a new card by mail.

How soon can I write checks or use my debit card after making a deposit?

All deposits are different. Some deposits take longer to clear, depending on the type of deposit and the time the deposit is made. For deposits made at a branch or by mail, any delay is counted in business days from the day of deposit. For example, if a deposit is made after hours, the deposit won’t be considered until the next business day.

If you make a deposit at an iQ Credit Union ATM:

  • Cash deposits are made immediately available.
  • Check deposits immediately release $500 of the total amount deposited.

(Note that some exceptions apply. Please see the Membership & Account Agreement for complete details.)

If you make a Mobile Deposit:

  • Savings deposits are held for two business days until any funds are made available.
  • Checking deposits will release $500 immediately, and the remaining funds become available after two business days.

How do I order or re-order checks?

A new check order may be placed by:

  • Visiting a branch location
  • Submitting a secure message through your Online Banking profile (please be sure to list all information to be printed on the checks, address the checks should be shipped to and desired starting check number.)

A re-order may be placed by:

  • Visiting a branch location
  • Contacting us at 360-695-3441
  • Clicking on the “Order Checks” link in your Online Banking profile (currently available on desktop version only)

I heard about a security breach, how will I know if my card has been compromised?

iQ is alerted about security breaches as soon as the information is made available. In these situations, we have processes in place to ensure your account remains secure. If you have any concerns about a possible breach, reach out to us by logging in to Digital Branch to send us a secured message or call us at 800.247.4364.

Disclosures

All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.
Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.

  • Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information. Terms and conditions to earn the Intelligent Savings rate apply. Please see the Intelligent Savings Terms & Conditions for more information.
  • Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
  • Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
  • Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g., checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
  • Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
  • Account Limitations. For Non-Profit Organizations and Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Intelligent Savings accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals.

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© 2025 iQ Credit Union

If you use links provided on this iQ Credit Union website to third-party Internet sites and services, you acknowledge that you are leaving iQ Credit Union's website and are going to a website that is not operated by the credit union. iQ Credit Union is not responsible for the content or availability of linked sites. iQ Credit Union does not represent either the third party or the member if you enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.

iQ, iQ Credit Union, iQcu, Financial Intelligence Pays Off, Intelligent Checking, CashCamp, and certain logo depictions used herein are service marks or registered service marks of iQ Credit Union.

iQ Credit Union claims and reserves all rights in the foregoing marks and in all other marks owned by iQ Credit Union depicted herein.  All marks not owned by iQ Credit Union that appear herein are the property of their respective owners who may or may not be affiliated with, connected to, or sponsored by iQ Credit Union.