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InFocus Checking
Earn interest on the balance you already keep while enjoying the convenience of a full-featured checking account backed by local support and digital banking tools.
Checking that rewards your focus.
InFocus Checking is designed for customers who maintain higher balances and want more from their everyday banking. Earn interest, enjoy digital banking convenience, and access local support when you need it.
Put your balance to work with interest earnings while keeping your money accessible.
Every IncredibleBank customer is connected to a real person—not a chatbot or ticket number.
Mobile deposit, online banking, alerts, Zelle®, and digital tools that help you stay connected to your finances.
Everything included with InFocus Checking.
Enjoy interest earnings, digital banking tools, and premium account benefits designed to help you manage your money with confidence.
Everything you need to bank confidently.
Beyond interest earnings and premium account benefits, InFocus Checking includes tools and services that help simplify everyday banking.
Access your accounts, view balances, and manage transactions anytime, anywhere — all from the IncredibleBank app or online portal.
Stay informed with push notifications, texts, and email alerts for account activity.
Go paperless with secure, anytime access to your statements — saving time and a few trees along the way.
Access your money without extra fees at thousands of ATMs nationwide. Convenience should never cost you more.
Our team is right here in Wisconsin, Michigan, and Florida — ready to help whenever you need us. No bots about it.
Tap, swipe, or click to pay securely wherever Visa® is accepted — plus manage your card easily in our app.
InFocus Checking works best for customers who —
You keep higher balances in your checking account and want the opportunity to earn interest while maintaining everyday access to your money.
What you'll need:
A checking account balance that works as hard as you do.
You want your everyday banking account to do more than hold your money between transactions.
What you'll need:
A desire to earn more from the money you already keep on deposit.
You value personalized service, local decision-making, and access to a banker when questions arise.
What you'll need:
A banking partner who understands your financial goals.
You want interest earnings, digital banking tools, debit card access, and account benefits all in one place.
What you'll need:
An account that balances flexibility, convenience, and value.
Find the Account That Fits.
Not sure which savings tool is right for your current balance? Here is how our primary growth options stack up side-by-side.
*Interest earnings are subject to the terms and rates listed on our Rates Page.
**We generally make these funds available the day we receive the payment file or two days prior to the scheduled payment date, whichever comes later. Whether a direct deposit is eligible for early access is at our discretion and we cannot guarantee that you will always receive your direct deposit funds prior to the scheduled payment date.
Products that work better together.
Build a dedicated savings cushion while keeping your everyday spending separate and organized.
Ready to put more of your money to work? CDs and IRAs can help you earn more on funds you don't need immediate access to.
Looking beyond everyday banking? Connect with an advisor to build a long-term investment, retirement, or wealth strategy.
Know more. Decide better.
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Frequently Asked Questions
You might find what you’re looking for right here.
InFocus Checking is an interest-earning checking account designed for customers who maintain higher balances and want more from their everyday banking.
Yes. InFocus Checking earns interest on eligible balances while still providing the flexibility and convenience of a checking account.
The $7 monthly maintenance fee is waived when you maintain a $2,500 daily account balance.
Eligible direct deposits may be available up to two days before your scheduled payday.¹
Yes. All IncredibleBank deposit accounts are FDIC insured up to the standard limits.
You can open an account online in just a few minutes or visit one of our Wisconsin, Michigan, or Florida branch locations. You'll need basic personal information and your opening deposit to get started.
Get Paid Early¹
We generally make these funds available the day we receive the payment file or two days prior to the scheduled payment date, whichever comes later. Whether a direct deposit is eligible for early access is at our discretion and we cannot guarantee that you will always receive your direct deposit funds prior to the scheduled payment date.
Early access to direct deposit funds depends on the timing of the payer's submission of deposits. Funds may be available up to two days earlier than the scheduled payment date.
Access eligible direct deposits up to two days before your scheduled payday.