Last Updated: 01/21/2026
IU Credit Union Platinum Checking Account
Unaffiliated
in Checking Accounts from IU Credit Union
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.25% - 0.40%(Verified 06/21/2024)
Monthly Service Fee
$20(Verified 01/21/2026)
IU Credit Union Platinum Checking Account Review
The IU Credit Union Platinum Checking Account is offered by IU Credit Union, a credit union founded in 1956 and based in Bloomington, IN. IU Credit Union Platinum Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. IU Credit Union Platinum Checking Account has an annual percentage yield of up to 0.40% (depending on balance), which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $0.01.
- No monthly maintenance fee. $20 monthly service charge if daily balance drops below $10,000
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. IU Credit Union Platinum Checking Account does not charge fees on ATM transactions within its network but there is a fee ranging between $0.50 and $2.00 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in IU Credit Union mobile or online banking.
IU Credit Union Platinum Checking Account Pros & Cons
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IU Credit Union Platinum Checking Account FAQ
Are checking accounts from iu credit union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does IU Credit Union Platinum Checking Account offer?
IU Credit Union Platinum Checking Account offers an APY starting at 0.25% and ranging up to 0.40% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $0.01.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.25% - 0.40% |
What are the account minimums for IU Credit Union Platinum Checking Account?
IU Credit Union Platinum Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $10,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does IU Credit Union Platinum Checking Account charge?
$20 monthly service charge if daily balance drops below $10,000| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $0.50 - $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bill Pay Fee (Standard Delivery) | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does IU Credit Union Platinum Checking Account charge overdraft fees?
Yes, IU Credit Union Platinum Checking Account charges a $30.00 fee for every overdraft.What features and perks does IU Credit Union Platinum Checking Account offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - IU Credit Union Platinum Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for IU Credit Union Platinum Checking Account?
The customer support email for IU Credit Union Platinum Checking Account is memberservice@iucu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 5:30PM