Checking Account Switch Kit

Switching your checking account to Ideal Credit Union is simple. We've created a switch kit to make your transition quick and easy! Download our checking account switch kit forms and instructions (outlined below) to ensure a smooth transition.

Follow these easy steps:

Open your Ideal Credit Union Checking Account

Discontinue using your former checking account

  • Stop using your old account and allow enough time for any outstanding checks, automatic payments and debit card transactions to clear.
  • Destroy any unused checks, ATM and debit cards.
  • Ideal CU will securely shred old checks and order your first new box for FREE!

Move Direct Deposits including retirement funds to your new Ideal Credit Union Checking Account

  • To move your payroll Direct Deposit, complete the Direct Deposit Change of Instruction Request form contained in the Switch Kit and submit to your Human Resources department.
  • If you have other sources of Direct Deposit such as Social Security or a retirement plan, remember to change those too. You will need to provide Ideal CU’s ABA routing number 296076262 and your new Ideal CU checking account number
  • The last page of the Switch Kit contains important phone numbers for contacting these agencies.

Redirect automatic payments and withdrawals

  • Move automatic payments or withdrawals such as loan payments and recurring bills to your new Ideal Credit Union Checking Account at least two weeks before the next payment is due.
  • Use the Automatic Account Payment/Withdrawal Change Form in the Switch Kit to submit these requests.
  • Set up new Bill Payments and sign up for eStatements if you haven't already in Ideal CU Online Banking

Close your old checking account