Unlock the full potential of your spending power with an Ignite Rewards Checking Account. Transform every transaction into a rewarding experience and enjoy more benefits with every VISA® Debit Card swipe.
Benefits of Ignite Rewards Checking
Cashback Reward Earn up to $8 in cashback per cycle*
ATM Refunds Receive up to $15 in ATM refunds per cycle*
No Minimum Balance No minimum deposit to open your checking account and no minimum balance is required to earn rewards.
Real-Time Account Updates Track your VISA® Debit Card purchases, view history, enable balance alerts, and use Card Controls all within Online Banking or our Mobile Banking app.
Instant VISA® Debit Card Printing Cards are printed at any Innovations branch, upon approval**.
Automate Your Money with Direct Deposit Simplify your life by linking your paycheck or other payments to your checking account with free Direct Deposit services. Enjoy access to your money without lifting a finger.
Overdraft Protection Safeguard your credit history and avoid insufficient funds fees.
Ready to open your Ignite Rewards Checking account?
When we open your new Ignite Rewards Checking account, we will verify your identity**. Once this process is complete, you'll have access to your account immediately. Visit our branches or call (850) 233-4400 to get started today.
IDProtect®
Effective August 1, 2026, the IDProtect® identity theft monitoring and resolution service provided as part of our checking account benefits will no longer be available.
The benefits of IDProtect, including up to $10,000 in identity theft expense reimbursement coverage, resolution services, identity monitoring, credit file monitoring and access to credit reports and scores will be discontinued on July 31, 2026.
We appreciate your membership and remain committed to providing valuable products, services, and benefits for our member. We're continually evaluating our products and services to ensure we're providing benefits that are valuable and relevant to our members. While IDProtect® will be discontinued, we are actively exploring new ways to enhance the checking account experience and look forward to sharing more information in the future.
IDProtect Benefits will be available until July 31, 2026.
Regular Checking
We see the checking account as the dependable financial tool that it really is—and we think you deserve one that’s way above average. With our Regular Checking, you get convenience and value, all in one.
When we open your new checking account, we will verify your identity**. Once this process is complete, you'll have access to your account immediately. Visit our branches or call (850) 233-4400 to get started today.
VISA® Card Services
Travel Notice
If you intend to use your Innovations VISA® Debit Card when traveling out of state, please contact us at (850) 233-4400 first, so our fraud monitoring service will not place a block on purchases. This can also be done via Mobile Banking.
Lost or Stolen Cards
If you think your VISA® Debit Card is lost or stolen, give us a call immediately at (888) 297-3416. The Cardholder Assistance Line for your VISA® Debit Card is (800) 547-1209. You can also use the Card Controls feature in Mobile Banking to turn your cards on or off if they are stolen, lost, or otherwise compromised.
Card Activation
To activate your VISA® Debit Card domestically, please dial (800) 290-7893. For card activation outside the U.S., dial (206) 624-7998 (collect).
