Choose Your Checking
Cash Rewards Checking
Do you carry a higher balance?
You deserve to be rewarded for your checking account. InRoads makes it easy. Earn up to 3.50% APY1 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.
Open now
Cash Back Checking
Are you a frequent debit card swiper?
Earn 2.00%2 cash back every time you make a purchase. Just use your debit card to buy what you need at the grocery store, restaurants, while on vacation, or the next time you’re out on the town. Whatever you buy, those monthly cash-back bonuses will add up fast when added to your account. What you do with your cash is up to you, including an epic-and-fun night out with the people you love most.
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INcredible Checking
Want to live without fear of overspending?
Life and finances don’t always live in harmony. We get it. That’s why we created InRoads INcredible Checking. With no monthly fee and a no overspending fees3, INcredible Checking will give you peace of mind knowing you’re covered no matter what life throws your way.
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Student Cash Back Debit
Looking for your first debit account?
It pays to be young! Members ages 11-17 get 3.00%4 cash back every time you make a purchase, whether it’s for lunch, at the coffee shop, or for a cool new video game. This account comes packed with a long list of extras, including access to the free Elements of Money site and handy on-the-go Mobile Banking.
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Which account is right for you?
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Earn 2.00% cash back with every purchase
Earn 2.00% cash back with every purchase
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Earn up to 3.50% APY
Earn up to 3.50% APY
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No monthly fees
No monthly fees
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ATM fee refunds (up to $20)
ATM fee refunds (up to $20)
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No overspending fees
No overspending fees
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Eligible for Team Up for Schools
Eligible for Team Up for Schools
Cash Rewards1
I carry a higher balance
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Earn 2.00% cash back with every purchase
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Earn up to 3.50% APY
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No monthly fees
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ATM fee refunds (up to $20)
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No overspending fees
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Eligible for Team Up for Schools
Cash Back2
I'm a frequent debit card user
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Earn 2.00% cash back with every purchase
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Earn up to 3.50% APY
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No monthly fees
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ATM fee refunds (up to $20)
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No overspending fees
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Eligible for Team Up for Schools
INcredible3
I don't like overspending fees
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Earn 2.00% cash back with every purchase
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Earn up to 3.50% APY
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No monthly fees
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ATM fee refunds (up to $20)
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No overspending fees
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Eligible for Team Up for Schools
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.
Get Started
- 1Annual Percentage Yield (APY) accurate as of 2/1/2023. Rate tiers are as follows: 3.50% APY applies to balances of $.01-$15,000 and 0.50% - 3.50% 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. Rates may change after the account is opened. 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. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Fees may reduce earnings. Minimum to open either account is $50. Only available on personal accounts.
- 22.00% cash back bonus applies up to $300 in purchases each month. Qualifications and restrictions apply to cash back bonus and ATM fee refund. Bonus will be posted to qualifying accounts on the last day of the month. 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. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Fees may reduce earnings. Minimum to open either account is $50. Only available on personal accounts.
- 3Available on personal accounts only. No fees for up to $50 in overspending. Any transactions that result in over $50 in overspending will be declined. Must bring account current within 14 days.
- 43.00% cash back bonus applies up to $200 in purchases each month. Qualifications and restrictions apply to cash back bonus and ATM fee refund. Bonus will be posted to qualifying accounts on the last day of the month. 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. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Fees may reduce earnings. Minimum to open either account is $25. Only available on personal accounts.