Checking

Free checking with high interest!

Get more from your checking account — more interest, that is! With Kasasa Cash® checking, you can earn 2.50% APY* plus unlimited refunds of ATM fees, nationwide*. Enjoy more from your checking account — that’s Kasasa®.

  • 2.50% APY* on balances up to $7,500
  • 0.20% to 2.50% APY on balances over $7,500 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • UNLIMITED refunds on ATM fees, nationwide*
  • No minimum balance to earn rewards
  • No monthly service fee
  • FREE Online Banking and Bill Pay
  • FREE eStatements
  • FREE VISA debit card
  • FREE Teleservices (Teller 4500)
  • No minimum deposit to open
  • Plus, link to Kasasa Saver® for free automatic savings!

It’s easy to earn rewards...

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash® account each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in Online Banking

That's it! Even if you don't meet your qualifications one monthly cycle, your account is still free and you can get right back to earning your rewards the following monthly cycle! Join today to open an account and let ICCU put your money to work.

*Qualifications Information
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by Illinois Community Credit Union as ATM transactions, and purchases made with non-Illinois Community Credit Union issued debit or credit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information
When your Kasasa Cash® account qualificationsare met during a Monthly Qualification Cycle, (1) Balances up to $7,500.00 receive APY of 2.50%; and balances over $7,500.00 earn 0.20% interest rate on the portion of balance over $7,500.00, resulting in a range from 0.20% to 2.50% APY depending on the account's balance and (2) you will receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented ;within forty five (45) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When Kasasa Cash® qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded.

Dividends and ATM fee reimbursements will be credited to your Kasasa Cash® account on the last day of statement cycle. APY = Annual Percentage Yield. APYs accurate as of 3/2/2015. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements and twelve (12) Debit Card transactions which post and settle within the monthly qualification cycle are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account's qualifications. Limit one [1] account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Illinois Community Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa® & Kasasa Cash® are trademarks of BancVue, Ltd., registered in the U.S.A.

Get cash back on all your debit card purchases!*

Choose the free checking account that pays you up to $90 a year*! Get 2.5% cash back on all daily debit card purchases with Kasasa Cash Back® checking*. Plus, enjoy unlimited refunds on ATM fees, nationwide!

  • 2.50% cash back on debit card purchases up to $7,500*
    • No category restrictions on purchases
    • Cash back earned on up to $300 in purchases monthly
    • Earn up to $90 cash back annually, $7.50 cash back per month
  • UNLIMITED refunds on ATM fees, nationwide*
  • No minimum balance to earn rewards
  • No monthly service fee
  • FREE Online Banking and Bill Pay
  • FREE eStatements
  • FREE VISA debit card
  • FREE Teleservices (Teller 4500)
  • No minimum deposit to open
  • Plus, link to free Kasasa Saver® to start automatically saving!

It’s easy to earn rewards…

To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back® account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in Online Banking

That’s it! Even if you don’t meet your qualifications one monthly cycle, your account is still free and you can get right back to earning your rewards the following monthly cycle! Join today to open an account and let ICCU put your money to work.

*Qualifications Information
Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit and credit card purchases processed by merchants and received by Illinois Community Credit Union as ATM transactions, and purchases made with non-Illinois Community Credit Union issued debit or credit cards. “Monthly Qualification Cycle' means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information
When Kasasa Cash Back® qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% cash back on up to a total of $300.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within forty five (45) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher.

When Kasasa Cash Back® qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back® account on the last day of the statement cycle. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.

Additional Information
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements and twelve (12) Debit Card transactions which post and settle within the monthly qualification cycle are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact an Illinois Community Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa® and Kasasa Cash Back® are trademarks of BancVue, Ltd., registered in the U.S.A.

The convenient way to pay

With Illinois Community Credit Union’s VISA Debit Card, you can replace your checkbook, ATM card, and even the cash in your wallet for one easy, convenient way to pay. ICCU’s Debit Card works much like a credit card but links directly to your Kasasa Checking Account.  With just a swipe, you can use your Debit Card anywhere VISA is accepted, worldwide.

With ICCU’s VISA Debit Card, you can:

  • Use it online, in store, or over the phone
  • Access to your money 24 hours a day, wherever you are
  • Withdraw cash at any ATM*
  • Use it anywhere VISA is accepted, worldwide

To report a lost or stolen card, contact us at (815) 895-4541. After normal business hours, call (800) 472-3272 and select option 2.

Going on vacation? Let us know before you go!
If you are planning a trip out of town, and plan to use your debit or credit card, let us know before you leave. That way, your service will not be interrupted and you can continue to enjoy using your card while you are away.

*ATM machines not owned and operated by Illinois Community Credit Union may charge a fee for usage. This fee is from the ATM owner and not ICCU.

View Rates

Back to Top