Get up to 3% cash back*
Checking Accounts
Find the Perfect Checking Account for You
Whether you want to earn higher dividends on your balance or cash back with every purchase, InRoads has options that make managing your money easy and rewarding.
Cash Rewards Checking Account
Cash Back Checking Account
INcredible Checking Account
Student Checking Account
Cash Rewards Checking
High-yield savings combined with a convenient checking account.
Dividends and Rewards
Up to 3.50% APY1 on your balance
2.00%2 cash back with every purchase
Enjoy no fees for up to $50 in overspending
3.00%4 cash back with every purchase
No Monthly Fees
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Access to Digital Banking
Yes
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Direct Deposit up to 2 Days Early5
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Disclaimers
1 Annual Percentage Yield (APY) accurate as of 1/17/2024. 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. To qualify for rewards you must complete the following three actions within the qualification cycle: 1) agree to receive e-statements, 2) login to Digital Banking, and 3) make at least 10 debit card purchases. 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. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.
2 2.00% cash back bonus applies up to $300 in purchases each month. Qualifications and restrictions apply to cash back bonus. To qualify for rewards you must complete the following three actions within the qualification cycle: 1) agree to receive e-statements, 2) login to Digital Banking, and 3) make at least 10 debit card purchases. 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. Fees may reduce earnings. Minimum to open account is $50. Only available on personal accounts.
3 Available 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.
4 3.00% cash back bonus applies up to $200 in purchases each month. Qualifications and restrictions apply to cash back bonus. To qualify for rewards you must complete the following three actions within the qualification cycle: 1) agree to receive e-statements, 2) login to Digital Banking, and 3) make at least 10 debit card purchases. 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. Fees may reduce earnings. Minimum to open account is $25. Only available on personal accounts with primary members ages 11-17.
5 Early availability of direct deposits is not guaranteed and depends on transmission of deposit information by originator. Thus, availability may vary from deposit to deposit.