Checking Accounts

Some banks tie you down. Not Interior Federal! Our checking accounts come with digital banking services+ to give you the freedom to bank whenever and wherever it’s best for you.

We also make banking with Interior Federal more rewarding with a Nickel Back Rewards program and competitive deposit rates that pay you dividends just for having money in your account! The more you deposit, the higher your rate of return.




Manage your account through our mobile app:

Download on the Apple App Store button. Get it on Google Play button.

Want to learn how to manage your money better? Get free tips and advice by visiting our Financial Resource Center. We also offer special checking accounts for Teens and Young Adults.

Girl Holding a debit card | nickel back rewards

It’s Unique. There’s Nothing Like It!

What is it? Nickel Back Rewards…you get 5¢ every time you use your Interior Federal Visa Debit Card. That’s right, cash back for using your debit card as a signature-based transaction* to make your everyday purchases!

What makes Nickel Back unique? Do your other financial institutions give you cash back (free money) for just using their debit card? Nickel Back is only found at Interior Federal. Now, that’s unique! There’s more…

  • No enrollment necessary. No forms to fill out. It’s automatic.
  • No minimum amounts.
  • Nickel Back Rewards are paid everyday. View your checking account in digital banking to see your daily totals.
  • No points to accumulate or keep track of.
  • No fees.
  • No hassle. Period.

How do I start earning 5¢ on my everyday debit card purchases?coin-clip-art-at-clker-com-vector-clip-art-online-royalty-free-ZpRPuH-clipart

  1. First, use your Interior Federal Visa Debit Card to pay for all of your purchases. The more you use it…the more “nickels” you get. 5 cents + 5 cents + 5 cents… equals more money for you.
  2. Select “Credit” on the keypad to process your signature-based* transactions.
  3. Sit back and watch the nickels add up!
  4. Plus, tell your friends and family. They would like to get cash back too.

Not a member? Become a member and start earning “free” cash today.

*Nickel Back Rewards only apply to signature-based transactions normally where you do not enter your PIN. Most check-outs default to the PIN-based screen. You may need to request that your transaction be “run as a credit” transaction. Normally, you will be asked to sign the receipt.

Debit cards and checking accounts go hand-in-hand! Of course, with your debit card you can make in-store and online purchases, but you can do much more!

  • Digital Wallets– Add your debit card to Apple Pay, Samsung Pay, Google Pay, or Garmin Pay.  Digital Wallets will make your transactions more secure and easily facilitate your transactions. Click here for step-by-step instructions to upload your card to your digital wallet.
  • Visa Secure– Much like Digital Wallets, you can register your Interior Federal debit card with Visa Checkout and pay for online purchases with ease.
  • Nickel Back Rewards– Earn cash when you spend.. it’s that simple.  No registration necessary.
  • Card Management– This service is available for debit card holders in Digital Banking.  Card Management allows you to control your debit card usage by: Setting alerts and notifications, turning your card On/Off instantly, blocking international transactions, and setting transaction limits.
  • CONTACTLESS for easier checkout and added security.

Learn more about the Interior Federal Visa® Debit Card

Interior Federal debit card sample

Balances^Dividend RateAPY*
Up to $1,499.990.05%0.05%
$1,500 and up0.05%0.05%

To open a checking account, you must be a member of Interior Federal. Establishing your membership is easy – just open a primary share savings account. See if you’re eligible for membership. For additional information or assistance, please call us at 800-914-8619.

*APY = Annual Percentage Yield. For more information, see our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure.

+Message or data rates may apply depending on your wireless plan.

^Although our ATM fees for Young Adult and Teen Accounts are waived for transactions performed at our ATMs and on those in the totally-free networks (AllPoint, Alliance One, Co-Op, CUNow, CU24, and STAR) there may be a charge from foreign ATM networks and/or ATM owners. A foreign ATM is defined as not being part of the Credit Union’s surcharge-free ATM networks.

Digital Banking

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Young Adult Accounts

accountsIf you’re age 18-26, check out our Young Adult accounts.

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