Checking and Savings

Share Draft (Checking) and Share Accounts (Savings):

  • Checking accounts: No monthly fees, no minimum balance, no minimum deposit, first 50 checks free, earn .10%, .10% annual percentage yield (APY) on balances over $1000.00.
  • ATM/Debit card: 10 free transactions per month.
  • Internet Banking: Go to internet banking & bill pay by clicking on the incon on the front page of the website.
  • Bill Pay: You can use our bill pay system through internet banking.
  • Savings accounts: A deposit of $25.00 into this account establishes your IRSE Credit Union membership. Earn above average returns. Rates are declared quarterly.
  • Christmas Club accounts: Deposit $5 to start a club account. This account currently earns the highest share rate declared for the quarter. The club checks are issued the first of October.
  • Vacation Club accounts: Deposit $5 to start a club account. This account earns the highest share rate declared for the quarter. The club checks are issued the first of April.
  • Direct Deposit: Sign up for direct deposit for any account.

Rates are subject to change at any time

 

New Debit Card changes

Due to changes with the Electronic Funds Transfer Act we have recently made some changes to our debit card program.

In the past your debit card allowed you to make transactions that resulted in your checking account being overdrawn.  Now on a daily basis we submit account balances to the atm/debit card network that are used to determine if a transaction will clear your account or not, if not it will be denied.

The good news is the daily limits have increased.  The old daily limit was $200 and the new daily limit is $500.  We do have the ability to increase your daily limit if you find that $500 isn’t sufficient for your needs.

Another new feature for the debit card is we now have the ability to change your pin# to a number that you pick.