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Checking & Savings

Incenta Federal Credit Union is looking out for you. We offer a variety of checking and savings solutions to help you manage your money day-to-day and long term.

Incenta Checking Options

Incenta offers two types of checking accounts.

Regular Checking

Regular checking from Incenta is perfect for those who write checks and pay bills electronically.

  • Unlimited check writing privileges
  • No monthly service fee
  • 24-hour account access with PowerLine Plus!
  • Free e-statements
  • Free Online Banking and Bill Pay
  • Free Mobile Banking

STRIVE Checking

Don’t let a previous bad experience keep you from opening a checking account with us. We pride ourselves on standing apart from the competition.

By joining the Incenta team, you can confidently pay bills with checks or electronically. In addition, you’ll be given the option to move to a regular checking account with no monthly service fee* after one year with no overdrafts. As an added bonus, you’ll receive 24-hour account access with online banking and PowerLine Plus!

*Please refer to the Fee Schedule for complete fee information.

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Incenta Savings Options

Save more and earn more with this Money Market savings account.

Save and earn more with this Money Market savings account.

  • By keeping an established minimum balance, you’ll earn a higher dividend rate than the regular share savings account.
  • Monthly dividends
  • No withdrawal penalty.
  • Three-tier rate based on deposit balance

Please click here to view our rates page for more information.

Club Accounts

We pay dividends quarterly on our club accounts to help you reach your savings goals faster!

Vacation Club Savings Account

Dreaming of that special vacation to Hawaii or Europe? How about a honeymoon to Greece, or a two-week family getaway to Disney? With the Vacation Club Savings account, you’ll be better prepared than ever to save for that memorable trip.

Should you open a Vacation Club Savings Account, you’ll have the ability to set up payroll deduction or deposit any amount, any time you want to build enough savings for your next retreat! Withdrawals from this account can be made whenever vacation time arrives, too, so there is no time commitment required!

Opening this account is as simple as opening any other savings account. Oh, and doing so is FREE! Call now to learn more.

Christmas Club Savings Account

What could be better than an “extra paycheck” right before the holiday shopping season? At Incenta, we can make that happen when you open up a FREE Christmas Club Savings Account.

Incenta makes saving easy with payroll deduction and automatic deposit. This type of transfer gives our members the opportunity to watch their savings accumulate throughout the year.

Here’s how it works: During the month of October, we will transfer your entire Christmas Club Savings Account funds into your checking account – and if you don’t have a checking account,  we will transfer the funds to your savings account – just in time for holiday shopping!

By planning ahead, you’ll skip the sticker shock of the post-holiday shopping season and allow your family to ring in the New Year free of unwanted Christmas debt!

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