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IU Credit Union

Checking Account Options & Debit Cards

We believe a checking account should fit your individual needs. Whether it's dividends or an account without a monthly service charge that you are looking for, we have a checking account that is right for you.

  • FREE CHECKING
    • No minimum balance to open
    • No minimum daily balance to avoid monthly service charge
    • No monthly service charge
    • No monthly dividends
    • • Free first order of personal checks upon account opening (see below)
  • MONEY MARKET CHECKING
    • No minimum balance to open
    • $1,000 minimum daily balance to avoid monthly service charge
    • $10 monthly service charge
    • Monthly dividends calculated daily, compounded & paid monthly
    • $0.01 monthly balance required to earn dividends
    • • Free first order of personal checks upon account opening (see below)
  • PLATINUM CHECKING
    • No minimum balance to open
    • $10,000 minimum daily balance to avoid monthly service charge
    • $20 monthly service charge
    • Monthly dividends calculated daily, compounded & paid monthly
    • $0.01 monthly balance required to earn dividends
    • • Unlimited free personal checks (one box of IUCU checks per order)

      • Unlimited free money orders and cashier's checks

 

 

With each new checking account, you can request:

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*Money Market, IRA, and Escrow savings excluded from overdraft protection

^Overdraft transfers from savings and Overdraft Privilege transactions are subject to a fee.

 

 

Debit Cards

IU Credit Union MasterCard Debit cards are issued instantly at all Bloomington locations as well as our Center Grove location in Greenwood!

Use your debit card to make purchases at millions of locations that accept MasterCard®. It's convenient and faster than writing a check.

The debit card also works as an ATM card and is accepted at all PULSE®, Cirrus, and CO-OP Network ATMs. As long as there are sufficient funds to cover the withdrawal amount, there is no fee when using an IU Credit Union-owned, Alliance One or CO-OP ATM.

Transactions are itemized on your monthly statement.

Enhanced security for online shopping is available through MasterCard SecureCode.

MasterCard® Platinum Debit Card

Standard Debit Card Design


0 - Basic
IU Credit Union MasterCard Platinum Debit Card

Premium Debit Card Designs* - $10 Fee


81 - Indiana
IU Credit Union Indiana Hoosiers MasterCard Platinum Debit Card
82 - Hoosier
IU Credit Union Indiana Hoosiers MasterCard Platinum Debit Card
83 - Candy Stripe
IU Credit Union Indiana Script MasterCard Platinum Debit Card
MasterCard Benefits
Zero Liability
Protects you if your card is used for purchases without your permission; for details visit www.mastercard.com/zeroliability.
MasterCard Global Service
Receive 24-hour assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Extended Warranty
Most manufacturers warranties are doubled for up to one additional year.
Price Protection
If there is a lower price advertised on a recent purchase, you're covered! Most purchases you make with your card are covered to receive the difference between the price you paid and a lower price advertised.
Satisfaction Guarantee
If a member becomes dissatisfied with a product they purchase with their card, they may be eligible for a refund for the cost of the product, if the store will not accept a return.
Card Features:
Approved for ages 14+
Parent or guardian must be on the account to order a debit card.
Customary Daily Withdrawal Limits**:
$500 through ATM; $2,000 point of sale

*Card is good for three years. Upon re-issue, you will receive the same card design and a $10 fee will be charged to your account. If you wish to change your design, please visit any branch prior to your card expiration date.
**Lower limits may apply during system upgrades and/or outages.

 

To activate new card (must call from primary phone), call 866-642-0450

Expired & reissue card (requires current PIN), call 877-296-2733

To change your PIN, call 877-265-9594; Outside U.S.; 859-488-4130

To report lost or stolen MasterCard Debit Cards during business hours, call 812-855-7823 or toll-free 888-855-6928; After hours, call 800-528-2273 or Outside U.S. 812-647-9794

We monitor and notify you of unusual activity and protect you from debit card fraud. Fraud Network 800-889-5280, Outside U.S. 513-534-3977, Option 1.

 

 

MasterCard SecureCode

MasterCard SecureCode is a service from MasterCard that provides you an added layer of protection when you make purchases online with your IU Credit Union Debit Card.

Once you've registered and created your own private SecureCode, you will be automatically prompted at checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.

SecureCode works with your existing MasterCard account, requires no download, and it's easy to activate and to use.

Create your Debit MasterCard SecureCode

 

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