Our most popular checking account makes everyday banking easy for you. Get started today with all the banking essentials—it only takes a few steps.
Choose what's right for you
Opening a checking account with Illuminus Bank is designed to be simple, efficient, and packed with exclusive benefits. Here’s how the process works:
Step-by-Step Process for Opening an Illuminus Bank Checking Account
Step 1: Choose Your Checking Account Type
Illuminus Bank offers different types of checking accounts to fit various financial needs:
- Standard Checking Account – Ideal for everyday banking.
- Premium Checking – Offers higher transaction limits and exclusive perks.
- Student Checking – Special benefits for young adults aged 17–24.
- Business Checking – Tailored for entrepreneurs and corporate clients.
Step 2: Gather Required Documents
To open an account, you'll need:
- A valid government-issued ID (passport, driver’s license, or national ID).
- Social Security Number or equivalent tax identification (if required).
- Proof of address (utility bill, lease agreement, or official document).
- Initial deposit amount, depending on the account type.
Step 3: Apply Online or In-Person
- Online Application: Visit the Illuminus Bank website or mobile app and fill out the account opening form.
- In-Person Registration: Visit a branch to receive personalized assistance.
Step 4: Fund Your Account
- Deposit funds via bank transfer, mobile wallet, or cash at an Illuminus Bank branch or ATM.
- Some accounts may have a minimum deposit requirement.
Step 5: Set Up Online & Mobile Banking
- Register for Illuminus Digital Banking to manage funds anytime, anywhere.
- Enable alerts, bill pay, and direct deposit for seamless transactions.
Step 6: Receive Your Debit Card & Start Banking
- Your Illuminus Bank debit card will be mailed or issued immediately at select branches.
- Begin using your account for purchases, withdrawals, and transfers.
Benefits of an Illuminus Bank Checking Account
✔ Zero Monthly Fees – No maintenance charges for select accounts.
✔ Fast & Secure Transactions – Industry-leading encryption for digital banking.
✔ Exclusive Bonuses – Students aged 17–24 receive a $1,000 cash bonus when opening an account with direct deposit.
✔ Global Money Transfers – Free international transactions with the Illuminus Bank App.
Promotional Offer
Limited Time! Open an Illuminus Checking Account today and enjoy:
💰 $1,000 Welcome Bonus for Students
🌎 Unlimited Free Global Transfers
🔓 Priority Access to Premium Banking Services
A checking account is a bank account where you can deposit and withdraw your money when you want. It’s the account you’ll likely use to deposit paychecks, pay bills, get cash and transfer funds. Checking accounts usually offer a debit card to use online, at stores and at ATMs. Some checking accounts offer paper checks for making payments. Some checking accounts may earn interest.
A checking account is for using your money for everyday needs, like making purchases or payments. Checking accounts usually offer a debit card to use online, at stores and at ATMs. Some checking accounts offer paper checks for making payments.
A savings account is for setting aside money for longer-term goals. Savings accounts earn interest and may offer an ATM card for making deposits and getting cash.
If you have a Illuminus Bank checking and savings account, you can link them together and access both accounts at ATMs with your debit card. However, debit card payments and purchases withdraw from your checking account.
A certificate of deposit (CD) account is for setting aside money for a set time — from 1 month to several years. CDs may pay more interest, but your access to your money is limited until the end of the set time.
You can apply for a Illuminus Bank checking account online or at a financial center, with a few exceptions.
For Family Banking
You
can only apply online. This account is for existing Illuminus Bank
customers. You must already have a personal checking or savings account
with us and an Online Banking account login.
For all other Illuminus Bank checking accounts
If you’re applying with someone under age 13, you must apply at a financial center. Otherwise, you can apply online.
How to apply online
1. Select an account and choose Open now to go to the application.
2. Enter and verify your information.
3. Choose features you want to add, like a debit card.
4. Once approved, make the minimum opening deposit of $10 or $100, depending on the account.
5. Check your email for next steps.
How to find a financial center
We have thousands of financial centers and ATMs across the U.S.
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government. If an FDIC-insured bank or savings association fails, the FDIC protects depositors against the loss of their insured deposits. Deposits are automatically insured up to at least $250,000 per depositor, per FDIC-insured bank, per ownership category.
FDIC deposit insurance is backed by the United States government. FDIC insurance covers all types of deposit accounts — checking, savings, money market savings and CDs — as well as bank individual retirement accounts (IRAs).
OPEN A CHECKING ACCOUNT
You can apply online for a personal checking account if you’re 18 years or older and a legal U.S. resident. You’ll need the following information:
Your Social Security number
A valid, government-issued photo ID like a driver’s license, passport or state or military ID
A minimum opening deposit of $10 to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another account at Illuminus Bank or a transfer from another financial institution.
Want to open a checking account in person?
You can visit any Illuminus Bank Branch to open a checking account. You’ll still need personal details such as a valid government ID and Social Security number, but you can call an Illuminus Bank representative to ensure you have what you need.