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Checking Accounts

You deserve to be rewarded for your checking account. InRoads makes it easy.
All you need to do is choose the rewards you like best.

Cash Rewards Checking

Earn dividends on your checking balance while you do your shopping, pay your bills and live your life. This rewards-earning account comes packed with a long list of extras, including surcharge-free ATM access at over 30,000 CO-OP Network ATMs.

e-Rewards Checking

This account is music to your ears. Just use your InRoads e-Rewards Checking account as you normally would, and you could earn $5 in iTunes® downloads or Amazon.com® purchases each month**.

Which checking is right for me?

  • Earn 2.00% APY*

    Earn 2.00% APY*

  • Earn up to $5 every month in iTunes or Amazon.com downloads**

    Earn up to $5 every month in iTunes or Amazon.com downloads**

  • No monthly fees

    No monthly fees

  • ATM fee refunds (up to $20 monthly)*

    ATM fee refunds (up to $20 monthly)*

  • Overdraft protection

    Overdraft protection

Cash Rewards Checking

  • Earn 2.00% APY*

  • Earn up to $5 every month in iTunes or Amazon.com downloads**

  • No monthly fees

  • ATM fee refunds (up to $20 monthly)*

  • Overdraft protection

e-Rewards Checking

  • Earn 2.00% APY*

  • Earn up to $5 every month in iTunes or Amazon.com downloads**

  • No monthly fees

  • ATM fee refunds (up to $20 monthly)*

  • Overdraft protection

Ready to Open Your Account?
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Shared Branch

What is a Shared Branch location? Simply put, it’s another credit union with another name that is happy to help you transfer funds, pay a loan, or make a deposit or withdrawal from your InRoads account. Utilize a shared branch when you’re in another part of town, state, or country.

CO-OP Network of ATMs

Find a surcharge-free ATM anywhere you go. As luck would have it, there are over 30,000 ATMs in the U.S. where you can get surcharge-free access to your cash every day. Just look for the CO-OP Network logo, put your card into the machine and enjoy the surcharge-free bliss.

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Team Up for Schools

When you pledge your support for the Indians, Columbians, or Lions, you’ll receive a special debit card. Plus, InRoads will pledge 5¢ to your favorite high school every time you use that new debit card.

Team Up
Excited crowd of fans cheering on team from stadium bleachers

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  • *APY= Annual Percentage Yield. Annual Percentage Yield (APY) accurate as of 1/1/2019. Rate tiers are as follows: 2.00% APY* applies to balances of $.01 – $15,000 and 0.35% APY* applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY* applies to all balances if qualifications are not met. All balances will earn 0.35% APY* to 2.00% APY* as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Minimum balance to open account is $50.
  • **Qualifications apply. See Financial Institution for details. Minimum to open account is $25. Earn up to $5 in iTunes® and/or Amazon® download refunds each cycle the minimum qualifications are met. Downloads must be purchased with your debit card associated with your e-Rewards Checking account. Qualifying transactions must post and settle to the account during the monthly qualification cycle. The qualification cycle ends on the second to the last business day of each month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Any internal transfers made within or between SHCU accounts do not count as qualifying ACH or automatic payment transactions. ATM Fee reimbursements provided up to $20 only if qualifications are met within the monthly qualification cycle. Limit one account per Social Security number. iTunes® is a registered trademark of Apple, Inc. and Amazon® is registered trademark of Amazon Inc. and are not a participant in or sponsor of this program. Available for personal accounts only. Refer to full account disclosure upon account opening for other details. Minimum balance to open account is $50.