Personal Checking
>
Checking accounts
Earn Cash Back with every swipe!
• No monthly fees
• No minimum balance required
Checking with Real Member Benefits
Earn Cash Back Every Time You Spend
• No monthly fees or minimum balance requirements
• Earn Cash Back Rewards with every Debit Mastercard purchase; both online and in-person 1
• Redeem points for travel, discounts at the fuel pump, or cash back into your account
• Earn interest on balances over $2,500 to help your money grow even faster2
Say Goodbye to Fees
No monthly maintenance fees. No minimum balance requirements. Just a smarter way to manage your money.
Convenience You Deserve
We built the Cash Back Checking Account to provide you with more than you'd expect, but exactly what you deserve:
• 24/7 access to your money with Online & Mobile Banking
• Enjoy 125,000 fee-free ATMs and 5,600 courtesy banking locations across the globe
• Free credit score updates and tools to help meet your financial goals
• Compatible with Apple Pay, Google Pay, & more
• Complimentary Direct Deposit, Online Bill Pay, and Transfer Now payment services
Security You Can Count On
Long Islanders have trusted Island Federal to keep their funds safe for over 70 years. With the Cash Back Checking Account, you'll also receive:
• Deposit Insurance through the National Credit Union Association
• 24/7 Fraud Detection and Account Security
• Real Time Usage Alerts sent straight to your phone on the Island Federal Mobile App
Looking For the Best No-Fee Checking Account on Long Island?
Island Federal Credit Union’s Cash Back Checking Account offers everything you need—no monthly fees, no minimum balance requirements, and full access to online and mobile banking.
Enjoy 24/7 account management, free daily credit monitoring, and a large network of 125,000+ fee-free ATMs3. Whether you live in Nassau or Suffolk County, Island Federal makes it easy to bank local with convenience, security, and rewards.
Cash Back Calculator
Hear From Our Proud Members
“Every visit to this branch really is a pleasant friendly experience. The ENTIRE staff is always helpful, patient, and cooperative. The banking products offered are great! From competitive rate mortgage & auto loans, to personal & business checking. The ATM card has $0 fee at any 7-11 which is awesome and super convenient! As a 50yr old, I’ve seen a lot of banks in my life, none quite like this.”
Nick G.
Selden
“Island Federal Credit Union Riverhead was fantastic! They helped my father get an auto loan at a much better rate than the car dealership. Staff is super friendly! Will be back soon possibly to switch my checking account to them.”
Evan Z.
Riverhead
Frequently Asked Questions
Do Cash Back Rewards Expire?
Rewards points are valid for 1,095 days (Three years)
Where can I find a no-fee ATM?
Through our cooperative network of ATMs, Island Members have access 125,000 fee-free ATMs. Use our ATM Locator either on our website or mobile app to find the nearest ATM to you.
What are Courtesy Banking Locations?
Through the credit union shared branch co-op, Island Members can utilize 5,600 credit union locations across the country for their day-to-day banking needs.
Is the Cash Back Checking Account insured?
Yes, the National Credit Union Association provides Island Members with federal insurance. To read more visit: NCUA Consumer Insurance
Can I earn interest?
Yes, you’ll earn 0.05% on your funds over $2,500. Visit our Rates Page for full account benefits. 2
How do I sign up for Direct Deposit?
Complete our Direct Deposit Request Form and provide it to your payroll or benefits provider. Our routing number is: 221475896
Are there any fees?
We do not charge any monthly maintenance fees or minimum balance fees. View our Fee Schedule to learn more