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Personal Checking

We have designed our products and services to fit the needs of our clients. We offer a variety of personal checking solutions to help you manage your money.

At Intracoastal Bank, we strive to provide a range of personal accounts to meet the needs of our community. We offer a convenient, customized approach to consumer banking.

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All of our Personal Checking Accounts include:

  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking
  • Free eStatements
  • Unlimited Check Writing
  • Free Debit Card

Intra Checking

Our Intra Checking is simple and convenient. There is no balance requirement and you will have easy access to online, mobile, and telephone banking along with eStatements and alerts.

Coastal Perks

Our Coastal Perks Checking helps to make the most of your money. In addition to earning interest, this premium account also offers discounts on an assortment of products and services including personal and official checks, safe deposit rental, and overdraft protection.

Money Market

Our Money Market account offers competitive rates with easy access to your hard-earned savings. With tiered interest rates, you will earn more on your money and have the flexibility to accomplish your goals.

With this versatile account, you can easily access your money, write checks and earn more interest than a typical savings account. Whether you are saving for vacation or retirement or building an emergency fund, a Money Market is a great option to finance your future.

Personal Checking Accounts Comparison Chart

Features subject to changeIntra Checking

Coastal Plus Checking

Money Market
Minimum to Open $50 $50 $50
Minimum Balance No Minimum Combined deposit and/or loan balances of $10,000 Daily balance of $2,500 or average daily balance of $5,000

Monthly Service Charge

*Waived with a minimum of 6 POS debits per month*

*Waived if balance requirement is met*

*Waived if balance requirement is met*

Activity Fees




Check Order Benefits


Free basic checks or 25% off special order


 Safe Deposit Box


 Free 3 x 5 Safe Deposit Box


Overdraft Protection

At Intracoastal Bank, we understand that mistakes happen every now and then, which is why we provide affordable solutions when it comes to Overdraft Protection. This is an easy way to manage your money and avoid overdrawing your account.

With our Overdraft Protection option, you can save yourself from the inconvenience of returned checks and declined transactions. By linking your Intracoastal Bank checking, savings or home equity line of credit, you can stop worrying and ensure you are protected against overdrafts.

We will transfer funds in increments of $50 to cover your negative balance. There is only a $5 transfer fee making this is an affordable option to give you financial peace of mind.

Contact Us to enroll in Overdraft Protection.

Have Questions?

To learn more or to open an account, please contact us.

Contact Us

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