Checking Account

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.


Mobile Check Deposit

Easily deposit your check on your time using your smartphone! It’s as easy as snapping a picture!


No Monthly Fee
No Minimum Balance
Free Online Banking
Free Bill Pay
Overdraft Protection
Direct Deposit
Free eStatements
Mobile Check Deposit

MasterCard Debit

Easily access your accounts with a swipe of the card! A MasterCard debit card makes it easy and secure.


Leave 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!

What are the benefits of using a checking account?

Using a personal checking account offers several benefits that contribute to financial management and convenience. Keeping you spending money in a checking account is safer than keeping it at home where it could be lost or stolen. The accounts at IRFCU are insured up to $250,000 by the National Credit Union Association. 

An IRFCU checking account also provides a convenient way to access your money to make purchases, pay bills.

What do you need to provide to open a checking account?

  • A valid photo ID (Drivers license, state ID, or passport) 
  • Proof of Address
  • Your Social Security Number
  • Date of Birth
  • Phone Number

If someone younger than 18 years old would like to open a checking account, they would need a parent or guardian on the account.

Become a member today!

ATM Locations

199 North Main Street, Athens
1482 Golden Mile Road, Wysox
You can also find an ATM at Sopranos Italian Market located at 607 Cayuta Ave, Waverly NY 14892.
Click the link below for surcharge-free ATM locations!

Annual Meeting: May 15, 2024 at 5:30pmClick to Join Virtually