IRFCU offers convenient checking accounts designed for your everyday needs.Our checking accounts with debit MasterCard can be used for purchases and withdrawals and you can easily check your personal checking account from your mobile device! With helpful tools like our It’sMe247 online and mobile banking platform,you can easily track your purchases and improve your spending habits. Services Mobile Check DepositEasily deposit your check on your time using your smartphone! It’s as easy as snapping a picture! BenefitsNo Monthly FeeNo Minimum BalanceFree Online BankingFree Bill PayOverdraft ProtectionDirect DepositFree eStatementsMobile Check Deposit MasterCard DebitEasily access your accounts with a swipe of the card! A MasterCard debit card makes it easy and secure. Mobile WalletLeave that worn out old wallet at home. You can now add your IRFCU Debit Card to your mobile wallet. It’s a secure way to pay! Become A Member ATM LocationsWe have an ATM at our Main Branch at 199 North Main Street in Athens. You can also find our second ATM at Sopranos Italian Market located at 607 Cayuta Ave, Waverly NY 14892. Click the link below for surcharge-free ATM locations! ATM Locator Learn How To Use Mobile Deposit