The Advantages of Credit Union Checking Accounts in Indiana

Looking for the best Checking Accounts in Indiana? At  Encompass Credit Union, our two credit union checking options—Worry Free Draft and Ultimate Checking—combine low fees, local service, and modern banking tools tailored for Indiana residents.

What Makes Our Checking Accounts Stand Out

We offer two top-tier accounts:

Worry Free Draft (Checking) Account

  • No monthly minimum fee (maintain a $25 balance)

  • $500 overdraft protection

  • Remote Deposit Capture via our Mobile App

  • Access to surcharge-free ATMs through the Alliance One network

  • Secure iPay Bill Pay service

Ultimate Checking Account

  • Includes all Worry Free features

  • Earns higher interest if you meet usage requirements

  • More rewards for accessing our full suite of banking services

Link to full details: Ultimate Checking FAQs

Why Choose a Credit Union Checking Account in Indiana?

Indiana members choose Encompass Credit Union because:

  • Lower fees & better rates — Avoid monthly charges, overdraft fees, and earn interest.

  • Local, personal service — With branches in Tipton, Frankfort, and Kokomo, our team understands your needs.

  • Widespread ATM access — Alliance One gives you fee-free withdrawals nationwide.

  • Modern convenience — Deposit checks via Mobile App, pay bills with iPay, manage everything digitally with a human touch.

  • High-yield option — Our Ultimate Checking rewards smart, active account users.

How Credit Union Checking Stacks Up Against Banks

When comparing Checking Accounts, credit unions like Encompass Credit Union offer a more member-focused experience than traditional banks. While banks often emphasize profit, credit unions prioritize people, delivering value through lower fees, personalized service, and a commitment to local communities.

At a big bank, you might run into monthly maintenance fees, limited customer support, and fewer perks unless you meet strict account requirements. With a credit union, you’re more likely to enjoy flexible terms, fewer obstacles, and benefits designed to fit real life, not corporate policy.

Join Encompass Credit Union Today

Becoming a member of Encompass Credit Union is quick and easy! Becoming a member is quick and easy. Any person who lives, works, attends school, or worships in Tipton, Clinton, or Howard County, Indiana is eligible to join. Spouses, children, and parents of eligible persons are also eligible. In addition, any business or organization in Tipton, Clinton, or Howard County, Indiana is eligible for membership.

Choose the Right Checking Account for You

Think about:

  • How you use checking — Daily purchases, bill payments, and need for ATM access

  • Overdraft protection needs — Our $500 buffer helps smart users avoid fees

  • Desire for rewards — Want interest? Go Ultimate

  • Digital comfort level — Mobile deposits, bill pay, alerts

Ready to switch or learn more? Visit the Checking Accounts page or contact us.

Smarter Banking Starts With Encompass Credit Union

Switching to one of the best Checking Accounts in Indiana is easy, with no compromise on convenience or cost. At Encompass Credit Union, you get:

  • Low fees

  • National ATM access

  • Mobile Banking + overdraft protection

  • Potential for interest rewards

Becoming a member of Encompass Credit Union is quick and easy! Becoming a member is quick and easy. Any person who lives, works, attends school, or worships in Tipton, Clinton, or Howard County, Indiana is eligible to join. Spouses, children, and parents of eligible persons are also eligible. In addition, any business or organization in Tipton, Clinton, or Howard County, Indiana is eligible for membership.

Explore our plans today and experience why credit union Checking Accounts in Indiana are smarter banking for real life.