Checking/Share Draft Accounts

Check with Irving City Employees Federal Credit Union for the best deal in checking accounts!

  • Debit Cards with EMV technology
  • No monthly service charge (when you order checks thru us)
  • No minimum balance requirements
  • Free On Line Banking 
    Free Bill Pay (expedited services have a fee)
  • You earn dividends when your average monthly balance is over $1,000.
  • Free Overdraft Protection from your savings account*

* If there not enough funds to cover a check, ATM withdrawal, ACH Debit, etc., we will transfer funds from your savings to your checking to pay the item. 

Account access limitations:  If your loan(s) with ICEFCU become 45 or more days past due/delinquent, you will not be able to access On Line Banking or make Debit Card transactions.

 Hardly use checks anymore?  You can order a box of 48 for only $11 or a box of 120 for only $18.90. 

Click this link 
if you are re-ordering Main Street checks with no changes.

If you send in a check order form from our previous vendor (Harland) we will match it to the most similar Main Street style check.  You can also visit the cu to see all the check styles Main Street offers or visit their website   Click on checks & accessories and then on personal (the cu does not offer business checking accounts).  

If you set up recurring payments for your bills, please use the CU's ABA#311985238 and your checking account number.  Please do not use the number on your debit card or give the card number to merchants These cards expire, or if it has to be re-issued due to fraud, your recurring payments would not transfer to the new debit card number.

Free Bill Pay!
You can pay anyone, anywhere in the US, anytime.  Features include:
Scheduling payments up to a year in advance; schedule variable and recurring payments; same day and next day payments available for 79% of payments; review pending payments; access 24 months of payment and transaction history; receive e-bills from over 400 billers; email notifications that the bill is available to be viewed or paid; bill reminders when a payment is due or needs to be scheduled; quick add feature to add billers using only a telephone number; calendar tool to assist with scheduling payments and payment confirmation numbers.   Plus, optional features (at a small fee) such as P2P payments; A2A transfers; overnight paper checks and same day electronic payments! 
Just click on the link above to enroll!

We offer Courtesy Pay!  If you have your paycheck or other regular recurring direct deposits going into your icefcu checking account & maintain your account(s) in good standing, we may take your account negative (up to a maximum of $500) to pay your checks and ACH items.  The standard $25 NSF fee will apply for each overdraft item whether the item is paid or returned.  Courtesy Pay will not apply to transactions made by ATM or Debit cards.  Courtesy Pay is made available to members at the credit union's discretion, and may be revoked at any time.  A member has 10 business days from the day of the advance, to deposit funds to clear the negative checking balance.

ICEFCU ATMs:  Free access your CU share draft/checking and primary share account through the CU's ATM's!   Locations: The CU office; City Hall; the North Police Station and the Auto Pound. Tip: Get cash back at the grocery and other stores that offer cash back at check out to avoid ATM charges!  

International transactions on CU debit cards are blocked.  If you are traveling outside the US and wish to use your icefcu debit card, please call us prior to your trip with dates and countries you are traveling to.  We will try to accommodate you, but our cards are permanently blocked from use in some countries due to fraud.

To report your ATM/Debit card lost or stolen, please call 800-500-1044 as soon as possible.


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