High 5 Checking

High 5 Checking - So Super, It should Wear A Cape!


1)  Use your debit card more than 10 times in a month?

2)  Want to get paid 2 DAYS EARLIER each week?

3)  Find yourself using different ATMs that charge a fee?

4)  Want to earn reward points on your purchases?

Then the High 5 Checking Account may be PERFECT for you!!!


High 5- High Interest Earning Checking Account with Jump Start SM Direct Deposit!

This NEW High interest checking account has no minimum balance and 5 extra benefits!  It pays tiered rates of 3.50% (3.56APY)* on your average balance up to 5,000 when you meet the minimum monthly requirements.  It comes with FREE checks and the 5 benefits below:


  1. Jump Start SMNet Pay Direct Deposit -  Get paid UP TO 2 DAYS AHEAD of your scheduled payday!***
  2. Foreign ATM reimbursements  (Up to $10.00 per month)
  3. FREE Wire Transfers  (Maximum of 2 per month)
  4. FREE Overdraft Reimbursement – (Maximum of one annually)
  5. 50 FREE UChoose® Rewards Points monthly**

To qualify for rate, members must:

  • Provide a valid e-mail address,
  • Sign up for e-statements
  • Register for Online Banking
  • Make at least 10 debit card purchase transactions each month
  • Have a Net Pay Direct Deposit each month (Minimum of $500.00)

If the minimum monthly requirements are not met:

a $5.00 service fee will be assessed and the member's balances will only earn base rate APY listed on our rate schedule.  

Click HERE to download Infinity's Direct Deposit form.


*Terms and conditions subject to change without notice.  APY=Annual Percentage Yield. Variable rate is accurate as of 10/1/2016. Rates may change after account is opened. There's no minimum deposit to open. If qualifications are met each monthly qualification cycle: (1) Jump Start SM Direct Deposit will advance payroll net pay direct deposits by up to 2 days availability of funds ahead of the original scheduled pay date*** (2) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) Average balances up to $5,000 receive a rate of 3.50% (3.56%APY); and (3) average balances over $5,000 earn the tiered dividend rate listed on our rate schedule on portion of balance over initial $5,000.  Fees may reduce earnings.

If monthly qualifications are not met, IFCU will assess a $5.00 service fee, and all balances earn base rate APY listed on our rate schedule. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

**To start earning UChoose® Rewards Points, card(s) must be registered on-line at www.uchooserewards.com

***While IFCU will try whenever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed.  Funds can be made available only after they have been received from the Federal Reserve Bank.  IFCU members should not rely on Jump Start SM to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations. Jump Start SM advances the electronic deposit of payroll funds only and does not apply to checks. Any applicable standard check holds will still apply. To set up net pay direct deposit of payroll funds to your IFCU account and take advantage of the Jump Start SM direct deposit benefit, your payroll department will require: IFCU’s Routing Number (211288491) and the 13 digit account number (MICR) listed at the bottom of your IFCU checks.