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Checking

Manage your daily finances with an Island checking account loaded with amazing features! Compare the benefits and services to choose the best account for you.

 
  Island Checking eChecking
 
Minimum Opening Deposit $100 $25
Monthly Maintenance Fee $2/month
Waived with eStatements1
Fee-free
Paper Checks At cost 1 box free at account opening,2 then at cost
Dividends Yes, minimums apply3 No
Online Banking Fee-free, optional Fee-free, included
Online Bill Pay Fee-free Fee-free
Account Alerts Fee-free Fee-free
NiftiCard® Optional Included
Co-Op ATM Access
at over 30,000 nationwide4
Fee-free Fee-free
NiftiPhone® Fee-free Fee-free
Overdraft Protection Yes Yes
Direct Deposit of payroll and government checks Yes Yes
 
 

Find a branch  |  Call (800) 848-5654, option 5

 

Terms & Conditions

1 $2 monthly fee also is waived with direct deposit ($400+/mo. minimum into checking that receives the direct deposit), OR if under age 18.
 

2 Applies to initial order of Island Paradise checks at account opening. Other designs and subsequent orders available at cost.
 

3 Effective , balances over $10,000 earn a dividend rate of .05% (Annual Percentage Yield: .05%).
 

4 All ATMs in the Co-Op Network are fee-free to Island members. Co-Op is a nationwide network of over 28,000 ATMs owned by credit unions, including The Island, as well as participating 7-Eleven® store ATMs.
 

Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.