Personal Banking
Banking that works as hard as you do
Free checking with no minimums, high-yield savings that beats the national average, and CDs with rates up to 5.10% APY. All FDIC insured. All with zero hidden fees.
Checking accounts
From basic everyday banking to premium perks for high-balance clients — choose the checking account that fits your life.
IOU Essential Checking
$0
- No monthly maintenance fee
- No minimum balance required
- Free debit card with chip & contactless
- Free online & mobile banking
- 40,000+ fee-free ATMs nationwide
- Mobile check deposit
Most Popular
IOU Premier Checking
$25/mo
Waived with $5,000 combined balance
- Everything in Essential, plus:
- Earn 0.50% APY on all balances
- Free official bank checks
- No foreign transaction fees
- Preferred rates on loans & CDs
- Complimentary safe deposit box (small)
- Dedicated customer service line
IOU Private Client Checking
$0
Requires $100,000+ in qualifying assets
- Everything in Premier, plus:
- Earn 1.00% APY on balances over $25K
- Unlimited free wire transfers
- Personal banker assigned to your account
- Airport lounge access (4 visits/year)
- Identity theft protection & monitoring
- Waived fees across all IOU products
Savings & CDs
Grow your money with market-leading rates. All deposits are FDIC insured up to $250,000 per depositor.
| Product | APY | Minimum | Details |
|---|---|---|---|
| High-Yield Savings | 4.85% | $0 | No minimum. No fees. Unlimited transfers. |
| Money Market | 4.50% | $2,500 | Check-writing privileges. Tiered rates. |
| 6-Month CD | 4.90% | $1,000 | Short-term lock. FDIC insured. |
| 12-Month CD | 5.10% | $1,000 | Our highest rate. Early withdrawal penalty applies. |
| 24-Month CD | 4.75% | $1,000 | Lock in a great rate for two years. |
| 60-Month CD | 4.25% | $5,000 | Long-term security. Rate guaranteed. |
APYs accurate as of April 14, 2026. Rates may change without notice. Fees may reduce earnings. Early withdrawal penalties apply to CDs.
Banking tools that simplify your life
Mobile Banking
Deposit checks, transfer funds, pay bills, and manage your accounts from anywhere with our award-winning mobile app.
Security & Fraud Alerts
Real-time transaction alerts, biometric login, card lock/unlock, and $0 liability for unauthorized transactions.
Free Debit Card
Chip-enabled, contactless-ready debit card with access to 40,000+ fee-free ATMs through the Allpoint network.
Early Direct Deposit
Get your paycheck up to 2 days early when you set up direct deposit with your IOU National checking account.
Automatic Savings
Set up automatic transfers from checking to savings. Round up purchases to the nearest dollar and save the difference.
Overdraft Protection
Link your savings account for automatic overdraft coverage. No overdraft fees when you maintain a linked savings account.
Open your account in minutes
Apply online, by phone, or visit any branch. You'll need a valid government ID and your Social Security number. Most accounts are approved instantly.
Get Started