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55+ Interest Checking

Earn competitive interest while enjoying the convenience of free digital banking services and surcharge-free ATMs.

Key Features

  • Competitive Interest1
  • Surcharge-Free ATM Access
  • Discounts on Loans
  • Free Digital Banking4

CIB Exclusive Features & Benefits

Personal CIB Exclusive Features & Benefits

  • Checking that earns competitive interest1
  • No monthly service fee
  • No minimum balance
  • Free first box of personalized checks (Specialty Lemon, wallet or duplicates)
  • Free eStatements with images2
  • Buy back of your unused checks and debit cards from another financial institution3
  • Text/email account alerts4
  • Discount on loans with automatic debit
  • Person-to-Person (P2P) payments available
  • Overdraft protection available:
    • Automatically transfer funds from savings to cover overdrafts5
    • Convenience credit6 line of credit (subject to approval)
  • Free debit Mastercard®
  • Free Digital Banking, including mobile banking and digital wallet4
  • Free Safe Deposit Box for 1 year (5” x 3”, 1 per account)7
  • Free Telephone Banking (TeleBANK)  
  • Surcharge-free ATMs available
  • $25 minimum deposit to open

Concerned about FDIC coverage? We have a solution. Learn More IntraFi Personal Solutions | CIB | Plymouth, St. Louis Park, Robbinsdale, Hopkins - MN (

1Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. You must maintain a minimum balance of $1.00 in the account each day to obtain the disclosed annual percentage yield.

2Paper statements available. Monthly image fee an additional $2.95 for paper statements.

3$10 for checks and debit cards from another financial institution given at time the checks/debit cards are presented.

4Your mobile carrier's text messaging and internet charges may apply.

5A $9 transfer fee applies, limited to 6 transfers per month.

6$30 annual fee. Based on credit approval. 18.00% Annual Percentage Rate. Minimum monthly payment of 5% of outstanding balance or $25, whichever is greater.

7First-time CIB box holder. May upgrade to a larger box and pay the difference. A non-refundable lock transfer fee of $3 is required for all new rentals. There is a $250 drilling fee due to lost keys. A 10% charge is assessed on past due payments. Contents of safe deposit boxes are not FDIC insured.

Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, early account closing, etc. may apply. See fee schedule for details.