Elite Checking Account - Ireland Bank

Elite Checking Account

Managing your money doesn’t have to be complicated. As an Ireland Bank customer you will enjoy the convenience of 24/7 access to your account with our E$$ENTIAL Checking Account Package that is included with all our personal checking accounts.


Online Banking
Bill Pay
Mobile Banking
Bank by Phone
Standard Debit Card
Email and Text Alerts1
Identity Theft Recovery Service
Unlimited Check Writing and Debit Card Transactions
Personalized Service / Always Call and Talk to a Person

ATMs are available at most of our Ireland Bank locations at no charge to our customers using their Ireland Bank Debit Card

Checking Account AccentIreland Bank Elite Checking Account

Our Elite Checking Account has exclusive benefits designed to maximize your convenience, savings, and security. With the protection you need and the value you’ve been looking for. Our Elite Checking Account gives you more than just a checking account.

  • Minimum opening deposit – $100
  • Monthly service charge – $122
  • Credit back of $3 every statement cycle the account is enrolled in E-Statements
  • Lowest Possible Monthly Service Charge – $9

Checking Account AccentIreland Bank Elite Plus Checking Account

Enjoy all the exclusive benefits of our Elite Checking Account plus interest.

  • Minimum opening deposit – $500
  • Interest compounded and paid monthly3
  • Monthly service charge – $172
  • Monthly service charge reduced $5 if a minimum average daily balance of $1,500 is maintained for the statement cycle4
  • Credit back of $3 every statement cycle the account is enrolled in E-Statements
  • Lowest Possible Monthly Service Charge – $9

Ireland Bank Elite Benefits

Elite members are entitled to obtain the following benefits at any of our convenient Ireland Bank locations:

  • 2 Boxes of Complimentary Checks Annually – Specialty single or 50% off design of your choice.
  • No Fee Cashier’s Checks – Limit 3 per month (Limit 3 per month – requires purchase from Elite Checking Account).
  • 20% Discount on a Safe Deposit Box – Annual rent – requires automatic payment from Elite Checking Account.

Elite members can also access:

  • *Identity Fraud Support – Identity Theft Insurance provides up to $10,000 in financial compensation for covered expenses incurred in the recovery of your stolen identity.
  • *Accidental Death & Dismemberment – You will be covered for Accidental Death and Dismemberment Insurance in the plan that you select (additional charges may apply).
  • Cashback Rewards – Earn cash back just for shopping online. Our secure online shopping network gives you access to hundreds of the nation’s best online retailers. You can earn money back by making qualified purchases through the Cash Back Rewards website.
  • Everyday Rebates – Get rewarded by purchasing items you use every day! You can get 20% back, up to $20 per quarter, when you submit your receipts through the mail or online using your computer or mobile device.
  • Extended Warranty and Purchase Price Protection – Shop with peace of mind and enjoy shopping with the benefits of up to 5 years Extended Warranty on covered items and Purchase Price Protection for 60-days after purchase of covered items.
  • My Concierge – Looking for a personal assistant? With My Concierge Service, you have access to a team of assistants to help with travel planning and reservations or shopping and dining recommendations.
  • Online Savings and Savings on Tap – Members save big at their favorite merchants with thousands of discounts! Simply search the Online Savings website to discover great savings.

*Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by an agency of the U.S.

For full details about exclusive benefits, please visit your local Ireland Bank branch.

Pricing and terms quoted effective October 1, 2023.

  1. Message and data rates may apply. Please contact your mobile carrier for details.
  2. Service charge includes one Elite membership; each additional Elite membership is $2 with a $4 maximum for family plan.
  3. You must maintain a minimum daily balance of $500 in the account each day to earn interest for that day. Interest is calculated by the daily balance computation method which applies a daily periodic rate to the balance in the account each day. An accrual of less than $0.01 per statement cycle will not be paid.
  4. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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