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Personal Checking Accounts

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AccountHigh Interest CheckingFreedom CheckingClassic Checking
DescriptionIBERIABANK High Interest Checking is a high interest checking account features PREFERRED RATES when you maintain higher balances.IBERIABANK Freedom Checking is a convenient personal checking account for banking made simple.IBERIABANK Classic checking is a relationship account that is tailored to our clients age 55+.
Minimum Opening Deposit$100$50 $100
Complimentary Services
Visa® debit card‡YesYesYes
Online Banking & Bill PayYesYesYes
Bank to Bank TransfersYesYesYes
Online Check ImagesYesYesYes
Email AlertsYesYesYes
Mobile & Text BankingYesYesYes
Mobile Deposit CaptureYesYesYes
ATM Check Image DepositYesYesYes
e-Statements & e-NoticesYesYesYes
Official/Cashier Checks - limit 5Yes
Stop Payments - limit 5Yes
Additional Features
Unlimited Checking Writing With No Per Item FeeYesYesYes
Earns Competitive InterestYesNoNo
Discounted Safe Deposit BoxNo charge for the first year; 50% discount for each year thereafter with auto draftNo10% discount with auto draft
Relationship Rate on Standard CDsYesNoNo
Foreign ATM Surcharge CreditsYesNoNo
Foreign ATM Usage Fee is WaivedYesNoYes
Checks OrdersNo charge for select check stylesCharge depends on check style Discount on select check styles
Monthly Service Charge$20$8 e-Statements or $10 Paper Statements$8
No Monthly Service Charge IfMaintain an average monthly checking balance of $5,000 or more


Maintain a combined monthly average balance of $25,000 or more in your personal checking, savings or money market accounts


Maintain a combined monthly average balance of $50,000 or more in all your personal deposit or loan accounts


You are a small business owner and have an IBERIABANK business checking account±
Maintain a monthly balance of $500


Combined monthly direct deposits of $500+ 


You are a student±


You are a small business owner and have an IBERIABANK small business checking account±
Maintain a monthly balance of $100


With combined deposit balances of $5,000 in personal checking, savings and money market 


You are a small business owner and have an IBERIABANK small business checking account±
Minimum to earn interest$5,000NoNo

± Selected services are not available in all states or locations. Additional features are provided at the client's request. Credit products require standard credit approval.

Mobile and Text Banking services require enrollment in IBERIABANK Online banking. Mobile carrier's text messaging and web access charges may apply.

To qualify as a student, proof of current student status must be presented at the time an account is opened. Student must be less than 25 years old and student status will be automatically adjusted to non-student status upon the account holder's 25th birth date or five years from the account open date, whichever comes first.

Small Business owners with an open status IBERIABANK business type checking account, qualify for two personal checking accounts with no monthly service charge. The Small Business owner must be primary on the personal account.

Bounce Protection Privilege is a discretionary overdraft service available on qualified accounts used to pay overdrafts created by checks, in-person withdrawals, electronic draft (ACH), or recurring debit card transaction. Clients may opt-in for Bounce Protection coverage on ATM and one-time debit card transactions. $35.00 Overdraft fee applies per item and per presentment. You have thirty days to pay an overdraft. We may not pay overdrafts that exceed your Bounce limit or if the account isn't handled as agreed and reserve the right not to pay for any reason. Fees are subject to change; please refer to the most current Rate and Fee Schedule for more information.

High Interest Checking Account: Available to consumer accounts only; Service charge waiver balance calculation: deposit accounts use monthly/statement cycle average collected balance and loan accounts use the outstanding principal balance. One box of personal select checks per order at no charge (no shipping or handling fee); discount applies to licensed brand checks. Receive foreign ATM surcharge credits up to $15 per monthly statement.

Classic Checking: IBERIABANK foreign ATM usage is waived (Up to two per month per account)