Checking
Checking 360
Checking 360 provides the maximum benefits, savings and peace of mind.
Epic Checking
The name says it all. Epic Checking offers huge value at a tiny price tag.
Essential Checking
Better than basic. Essential Checking provides great protections that go beyond a standard checking account.
Benefits Comparison:
Checking 360 | Epic Checking | Essential Checking | |
|---|---|---|---|
| Cellphone Protection1,2 | ✓ Up to $1,600 per year | ✓ Up to $1,200 per year | - |
| Roadside Assistance | ✓ | ✓ | - |
| Everyday Savings4 | ✓ | ✓ | - |
| Health & Pharmacy Savings | ✓ | ✓ | - |
| Accidental Death & Dismemberment2 | ✓ $25,000 Accidental Death | ✓ $10,000 Travel Accidental Death | - |
| Identity & Credit Monitoring1,2,3 | ✓ | - | - |
| Payment Card Fraud Resolution1,2 | ✓ | ✓ | ✓ |
| Lifetime Theft Aid Benefit1,2 | ✓ $10,000 | ✓ $5,000 | ✓ $1,000 |
| Purchase Protection1 | ✓ 180 days | ✓ 180 days | ✓ 90 days |
| Bill Negotiation3 | ✓ | ✓ | |
| Monthly Fee | $10
| $5
| $2 Fee waived with eStatement enrollment |
1 Cell phone protection, personal identity theft benefit, and purchase protection are subject to additional terms and conditions. To be eligible for cell phone protection, your cell phone bill must be paid from your Checking 360 or Epic checking account.
2 Insurance products are: Not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.
3 Requires additional enrollment on BaZing.com
4 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions and maty choose to limit deals.
5 Rates and terms may change at any time and without prior notice.
In addition to those great benefits, Industrial checking accounts offer the following:
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Digital Services
- Digital Banking
- Mobile App
- Free Budget Tools
- eStatements
- Online Bill Payer
- Online Loan Application
- Mobile Check Deposit
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Convenient Access
- Free Debit Card
- Nationwide Access to Over 30,000 No-Fee CO-OP ATMs and 5,000+ Shared Branches
-
Tools to Make Banking Easier
- Overdraft Protection Available via Transfers from your Industrial Savings Account†
- Direct Deposit
- Unlimited Debit/Check Transactions
- No Minimum Balance Requirements
-
Frequently Asked Questions
Why do you offer multiple checking account options?
We work hard to provide our members with exceptional value and to remain competitive with other offerings in the market. Our checking accounts provide valuable benefits and protections for our members.
Can I have more than one type of checking account?
Yes, you can have more than one type of checking account. Please note that any monthly fees will be assessed per checking account, not per member. So, if you have 2 Epic Checking accounts, you will be charged a monthly fee of $5 for each account.
When are monthly fees assessed?
Monthly fees associated with the account you choose will be assessed on the first day of each month.
Why is the monthly fee for essential checking waived with eStatement enrollment?
The $2 monthly fee for Essential Checking is equivalent to what it costs us to send a paper statement to you each month. Industrial is committed to doing our part to keep Whatcom County green, and we strongly encourage all of our members to enroll in eStatements. Additionally, eStatements are delivered faster and are more secure than receiving a paper statement in the mail. For those reasons, we reward Essential Checking members enrolled in eStatements by waiving the monthly account fee.
What is Everyday Savings?
Everyday Savings offers over 360,000+ local and national discounts on shopping, dining, travel and more. These discounts are available using a mobile app, making it easy to save money wherever you go. Our partnership with BaZing allows us to greatly expand our discount network and provide you with an enhanced member experience.
Can I use my debit card to redeem deals instead of Everyday Savings?
No. If you are taking advantage of Everyday Savings by enrolling in Checking 360 or Epic Checking, you will need to log into Digital Banking or the Industrial app to redeem discounts. This allows you to track your savings, select favorite merchants and manage notifications about discounts near you.
