Checking Accounts

Share Drafts/Checking Accounts provide ready access to funds for the purpose of paying bills and making purchases. Easy-to-use duplicate checks provide a carbon copy of each check written inside the checkbook. This convenient feature eliminates the need to store canceled checks, however for you convenience, copies of canceled checks can be ordered, if needed. And our checks come in a wide variety of styles and price ranges, plus you can now order online with our new online ordering system that makes customizing your checks fast, easy and fun!

CHECK” out the many advantages to an IRCO Share Draft Checking Account!

  • NO Monthly Service Charge for Accounts Maintaining $250.00 Balance*
  • FREE Overdraft Protection
  • FREE Online Bill Pay
  • FREE Mobile Check Deposit
  • FREE VISA Debit Card
  • NO Per Check Fees
  • NO Monthly Service Charge for NET Gen Club (for members 18-23 years of age), VIP Club & On-the-Go Club (50+ members)
  • Detailed Monthly Statements
  • e-Statements – Paperless Statements
  • 55,000 SURCHARGE-FREE ATMs on the ALLPOINT Network
  • Deposits Through Payroll Deduction, Direct Deposit & Electronic Funds Transfer

* $10.00 service charge for accounts below $250

A printable form for Direct Deposit and Direct Withdrawal Instructions