Illini PLUS Checking

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Cash Back Member Rewards

You can earn 10% cash back on your everyday purchases – such as groceries, household supplies, entertainment. Save receipts and submit quarterly for cash back rewards. You are eligible to submit receipts totaling up to $100 each quarter for a total cash back of up to $10/quarter or up to $40 annually. (Registration/activation required. Additional terms and conditions may apply.)

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IDProtect® Benefits

You can rest easy knowing that IDProtect3, our identity theft monitoring and resolution service, can help better protect your identity.

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IDProtect includes:
Identity Theft Expense Reimbursement Coverage3
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
Comprehensive Identity Theft Resolution Services
A dedicated fraud specialist assigned to manage your
case. Experienced recovery professionals will handle the
recovery process until your identity is restored.
Debit and Credit Card Registration
Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.(Registration/activation required.)
3-in-1 Credit File Monitoring3
IDProtect will monitor your Equifax, Experian and
TransUnion credit files daily, and automatically alert you
if key changes occur. (Registration/activation required.)
3-in-1 Credit Report
Request an updated credit report every 90 days or upon
receipt of alert. Each new report includes an updated
single bureau credit score.
Total Identity Monitoring – monitoring of over 1,000
databases. (Registration/activation required.)
Online Identity Theft News Center and Valuable Phone and Web Resources (Registration/activation required.)


Travel & Leisure Discounts

Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their smartphone. Digital Access makes saving super easy and convenient, giving instant savings anywhere, and anytime.
(Registration/enrollment required.)

Illini PLUS Checking Features


• $100 minimum deposit to open
• No minimum balance

• Free debit card
• Free checks
• Consumer loan rate discount
• Certificate rate bonus
• Earns dividends
• Free online banking (iBranch)
• Remote Deposit of checks
• Free bill pay (iPay)
• Free eStatement
• Direct Deposit and Payroll Deduction available
• Overdraft Protection & Courtesy Pay available
• Free POS transactions
• Over 50,000 surcharge-free ATMs
• Free Person-to-Person transfers
• Free external transfers

Unique Benefits
• IDProtect® benefits3 (registration/activation required)
• Up to $10,000 AD&D insurance4
• Cellular telephone protection4
• Debit Advantage™ 4
• Online $hopping Rewards™ (registration/activation required)
• Travel & leisure discounts (registration/activation required)
• Health discounts (this is NOT insurance; registration/activation required)
• Cash Back Member Rewards (registration/activation required)

• $6.00 monthly service fee

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Bank on the Go!

Manage your account anytime with 24/7 online and mobile access.

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Overdraft Protection

Protect your checking account from accidental overdraft.

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No-Hassle Account Switching

See why we’re so easy to work with today!

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Take advantage of Illini PLUS Checking benefits today!

Apply Online Schedule an Appointment

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2Electronic withdrawals = debit card purchases, ATM , ACH, online banking, bill pay
3IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).
4Special Insurance Program Notes: The description herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Insurance Products are not insured by NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
5Credit file monitoring from Equifax and TransUnion will take several days to begin following activation.