Checking Accounts - iAB Financial Bank

Plastic Checking

Does your bank pay you to use your debit card? We do! Any time you use your iAB debit card, Plastic Checking deposits up to a dime back into your account. At dinner, on campus, or even shopping online – it doesn’t matter. If you pay with plastic, Plastic Checking pays you. At the end of the month, that can really add up. Also, there’s no minimum balance to worry about, and you get free access at nearly 5,000 ATMs across the country. Pay with Plastic, and Plastic pays you.*

Earn cash each time you use your Debit Card
Free ATM access at nearly 5,000 ATMs
No minimum balance requirements
Electronic Statements
Online Banking and Bill Pay

*You will receive $.05/swipe for 1-9 debit card purchases or $.10/swipe if at least 10 debit card purchases are made during the statement cycle. Free ATM access at iAB Financial Bank and Alliance One network locations. $50 minimum opening balance.

Club Rewards

This checking account offers valuable features. You will receive all of the benefits listed for a $6.50 monthly membership fee. There is no additional service charge on this account. A $50 minimum opening balance is all you need to get started. Our Club Rewards account offers unlimited check writing with no minimum balance requirements or per-check charges.

With your Club Rewards account, you'll receive a special membership card with your personal number. Carry it with you. Once you sign up, your membership card will allow you to access your benefits 24 hours a day, 7 days a week.

Club Rewards Plus

Club Rewards Plus is an interest bearing checking account that offers the same benefits as the Club Rewards account.

This account offers a tiered interest rate structure similar to our Interest Checking account. There is no monthly fee with just a $2,500 minimum balance or $10,000 combined Relationship Savings* balance to avoid an $8 per month service charge.

Free Checks (club style only or $5 off all other styles)
Everyday Rebate Rewards — get up to $40 cash back annually by purchasing items you use every day and submitting your rebate. It's that easy.
Everywhere Cash Savings¹— earn money back by making purchases through Everywhere Cash Savings website or print coupons for in store use.
Card Patrol — real-time online monitoring service that alerts you of any suspicious activity on your registered debit or credit cards
Extended Warranty and Purchase Price Protection² — warranties are extended up to five years and the purchase prices of covered items are protected.
New Lock Box (receive a 3 x 5 lock box free for one year, subject to availability)
No fee Cashier's Checks & Money Orders (up to 6 per month)
$5,000 Travel Accidental Death Insurance³
Discounted Gift Cards
Rx AdvantageTM Prescription Drug Program⁴
Online Banking and Bill Pay
VISA Debit Card

*Relationship savings apply to Plus, Money Market and statement savings only. Must have the same primary account holder for checking and savings accounts.

¹Rewards will be issued automatically and will be mailed within 90 days or when your minimum rewards amount equals $2, whichever is later. Participating merchants may change at any time without notice. Certain restrictions and limitations may apply.

²Exclusions and limitations apply. The Extended Warranty and Product Repair Plan benefits are provided by National Products Care Company.

³The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the bank or an affiliate, and not insured by any agency of the U.S.

⁴Medical discounts are NOT insurance.

Basic Checking

Basic Checking provides all the services and benefits you've come to expect - no service charge when you maintain a small minimum monthly balance and no per check charges.

Online Banking and Bill Pay
24-hour Phone Banking
VISA Debit Card or ATM card
Unlimited checking and withdrawal privileges with no per check charge
$50 minimum opening balance
$300 minimum balance or $5,000 in Relationship Savings* required to avoid service charge

*Relationship savings apply to Plus, Money Market and statement savings only. Must have the same primary account holder for checking and savings accounts.

Interest Checking

Let your money work for you while still enjoying the convenience of writing checks.

Minimum balance of $1,500 or $7,500 in Relationship Savings* to avoid service charge
Monthly $8 service charge if balance falls below requirements
$1,500 minimum opening balance
Tiered interest rates
Online Banking and Bill Pay
VISA Debit Card

*Relationship savings apply to Plus, Money Market and statement savings only. Must have the same primary account holder for checking and savings accounts.

Checking Account Options

Protection Pak - only $2.99 per month.

You'll receive:

My ID Matters - A one-stop site for fraud and identity protection news and education. Learn tips to stay protected from the latest fraud scams.
$2,500 ID Theft Insurance¹ and Fraud Assistance - Should you become a victim of ID theft, you are eligible for reimbursement of up to $2,500 in direct costs associated with recovering your identity. Plus, with Fraud Assistance you’ll receive 24/7 guidance from trained identity theft specialists.
Card Patrol - Real-time online monitoring service that alerts you of any suspicious activity on your registered credit or debit cards.
Credit Alert with Credit Information Hotline - 24 hour, daily credit monitoring with automatic alerts and assistance.
No fee Cashier’s Checks and Money Orders (up to 3 per month)

¹Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S.

Overdraft Protection

Two options are available to protect you from unexpected overdrafts .

Account Transfers

Account Transfers can be made automatically from another designated iAB account to provide overdraft protection for a nominal fee.

Overdraft Line of Protection

With a pre-approved line of credit, you can access funds for those unexpected expenses or large purchases.

pre-approved loan to be used for future overdrafts.
can be tied to your home equity for a higher limit and tax deductibility (check with tax advisor).

Complete an Overdraft Protection - Credit Line Application, print, sign and submit at any iAB Financial Bank Office.

Switch Kit

iAB Financial Bank’s Switch Kit gives you the tools you need to transfer your direct deposits and automatic withdrawals to iAB - quickly and easily.

To change your information, click on the following resource links:

AEP’s (American Electric Power) Direct Payment
Fort Wayne City Utilities Express Pay
Fort Wayne Newspapers change of financial institutions form
National Serv-All
6231 Macbeth Road
Fort Wayne, IN 46809
Phone: 260-478-0400
NIPSCO (Northern Indiana Public Service Company) ZapCheck
Northeastern REMC
NIFL (Northern Indiana Fuel & Light) Automatic Bank Deduction Plan
Waste Management ezPay online bill payment service
Mortgage - Listed below are some of the most common mortgage contacts. Simply choose your mortgage company in order to submit your account information.

Additional Services

Online Banking & Bill Pay

Life is busy. iAB Financial Bank can save you time when you use our online services. With Online Banking and Bill Pay you can take care of your banking whenever it is most convenient for you.

Online Banking

Online Banking offers the convenience and speed of the internet to manage your finances, and it's free! Combining 24 hour availability within a secured banking environmnet, iAB Online Banking offers you the control you need to view account activity, view check images, make loan payments, transfer money, and pay bills; all from anywhere you have internet access!

Here are some of the things you can do with iAB's Online Banking. Banking has never been easier!

Get current online information about all of your deposit accounts and loans
Confirm your deposits, withdrawals, and cleared checks
View and print images of your checks and deposits, front and back
View and print your previous statements and transactions
Transfer money between accounts
Set up recurring transfers and loan payments
Make loan and Personal Credit Line payments
Download transactional information into your personal finance software like Microsoft Money and Quicken (Requires Quicken 2001 or newer) See our Resource Center for instructions.

Click here to apply now.
If you need help using Online Banking, click here.

You will need to access your Online Banking account at least once every 120 days. After 120 days of inactivity, your Online Banking account will automatically be terminated.

Bill Pay

Bill Pay is fast, simple, and convenient. Why spend time handwriting checks, addressing envelopes, and going to the post office, when you can take care of everything at once by paying your bills online? Take a moment to discover how iAB Bill Pay can make the hassle of paying bills disappear with a click!

Benefits of BillPay include:

No monthly charge as long as you use it*.
Transfer funds from your accounts at different financial institutions.
Make multiple deposit accounts.
Send money to anyone with an e-mail address and a U.S. bank account with E-mail Payments.
Set payee and payment amount thresholds.
Categorize payees and nickname accounts for budgeting analysis purposes.
Use a pending payment calculator to view payments at a glance. Payments appear on the date they were scheduled to process. Stop or change payments directly from this calendar.
Schedule e-mail reminders of payments due and bills not paid by a "no later than" date.
Integrate with your home money management software.
Receive second level security for specific actions, (i.e. change e-mail address, add a new payee.)

*If there is no activity for 90 days, there will be a $5 fee.

Security Tips for Online Bill Payment

Getting started is quick and easy:

Log in to your Online Banking account.
Click on "Bill Payments" located on the green task bar.
Sign Up! (You will then receive notification/approval - usually next business day.)
When you go back into your Online Banking account, "Bill Payments" will no longer be listed on the green task bar, but Bill Pay will now be on the bottom of the screen.

Online Statements

Online Statement Benefits:

View and print your previous statements statements.¹
It's completely FREE! There's no fee to receive your iAB Financial Bank Online Statement.
They're legal - Our Online Statements look similar to our paper statements allowing you to use them for taxes, record keeping, and more.
It's safe and secure -
- Protect yourself from identity theft and mail fraud.
- Have peace of mind knowing your statements are securely located within multilayer protected internet banking.
Go green -
- You're helping the environment. Less paper means more trees, and more of the oxygen that trees help to produce.

How it works!

Receive automatic email notices when your Online Statements are available - typically days before your paper statement would be mailed.
Online Statements are saved as PDFs and HTMLs. You can access, save, and print as needed.²
Online Statements are available for your checking and savings accounts.
No more paper! Signing up for Online Statements automatically discontinues paper statements for your selected accounts.³

How to get started

Sign up for Online Banking
Once you receive your Online Banking password, select Enroll for Online Statements.
Already have Online Banking? Sign up for online statements

Online Statements requires a computer with Internet access. The length of Online Statements varies depending on how long customers have been enrolled in Online Banking.
Adobe Acrobat is required. Click here for a free download.
Please contact iAB Financial Customer Call Center at 260-422-2265 or (855) 422-2264 if you have questions.

Reorder Checks

Re-order checks directly from Deluxe.