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Personal Checking Accounts

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AccountElite CheckingHigh Interest CheckingFreedom CheckingClassic Checking
DescriptionElite Checking offers our standard account features like free online banking and bill pay but also rewards high balance customers with additional benefits and features.IBERIABANK 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$100$50 $100
Complimentary Services
Visa® debit card‡YesYesYesYes
Online Banking & Bill PayYesYesYesYes
Bank to Bank TransfersYesYesYesYes
Online Check ImagesYesYesYesYes
Email AlertsYesYesYesYes
Mobile & Text BankingYesYesYesYes
Mobile Deposit CaptureYesYesYesYes
ATM Check Image DepositYesYesYesYes
e-Statements & e-NoticesYesYesYesYes
Official/Cashier Checks - limit 5YesYes
Stop Payments - limit 5YesYes
Additional Features
Unlimited Checking Writing With No Per Item FeeYesYesYesYes
Earns Competitive InterestYesYesNoNo
Discounted Safe Deposit BoxFREE!No charge for the first year; 50% discount for each year thereafter with auto draftNo10% discount with auto draft
Relationship Rate on Standard CDsYesYesNoNo
Foreign ATM Surcharge CreditsYesYesNoNo
Foreign ATM Usage Fee is WaivedYesYesNoYes
Checks OrdersNo charge for select check stylesNo charge for select check stylesCharge depends on check style Discount on select check styles
Monthly Service Charge$25 (if minimum bal. not met)$20$8 e-Statements or $10 Paper Statements$8
No Monthly Service Charge IfMaintain a combined monthly average balance of $250,000 or more in your personal checking, savings or money market accounts

Maintain an average monthly checking balance of $5,000 or more

Or

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

Or

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

Or

You are a small business owner and have an IBERIABANK business checking account±
Maintain a monthly balance of $1000

Or

Combined monthly direct deposits of $500+ 

Or

You are a student±

Or

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

Or

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

Or

You are a small business owner and have an IBERIABANK small business checking account±
Minimum to earn interest$.01$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. Current daily and monthly limits are:

• For IBERIABANK clients enrolled in Online Banking for more than thirty (30) days but less than a six month period, Up to ten (10) items per day, subject to an aggregate deposit limit of $1,000 per day;

• For IBERIABANK clients enrolled in Online Banking for more than thirty (30) days but less than a six month period, Up to twenty (20) items per calendar month, subject to an aggregate deposit limit of $3000 per calendar month.

• For IBERIABANK clients enrolled in Online Banking for greater than a six month period, Up to ten (10) items per day, subject to an aggregate deposit limit of $2,500 per day;

• For IBERIABANK clients enrolled in Online Banking for greater than a six month period, Up to thirty (30) items per calendar month, subject to an aggregate deposit limit of $5000 per calendar month.

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)