IncredibleBank Review: Competitive Rates and Low Fees

4.2

GBR RATING

GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

If you want a regional bank with a full set of services, Incredible Bank will be a good fit for you.

IncredibleBank is a local bank in Wisconsin and Michigan that also offers online banking to customers nationwide. The bank has a full line of banking products, with options for those looking for account choices with no fees or minimums and for those seeking higher interest rates on larger balances.

IncredibleBank began as River Valley Bank in 1967 in Rothschild, Wisconsin. Over four decades later, in 2009, River Valley Bank opened IncredibleBank as a national online community bank. Due to IncredibleBank’s fast-moving success, the banks merged and are now known as IncredibleBank. IncredibleBank currently has more than 15 brick-and-mortar locations in Wisconsin and the Upper Peninsula of Michigan.

IncredibleBank Checking Accounts

IncredibleBank offers two checking accounts: InSight Checking and InFocus Checking. 

Here’s a look at some key details: 

• Both of the checking accounts require a $25 minimum deposit.
• The InSight checking account has no monthly maintenance fee. 
• The InFocus checking account has a $7 monthly maintenance fee, but you can waive it with a $2,500 daily balance.
• You can earn interest with the InFocus account.
• You’ll have access to 30,000 ATMs with either account.

IncredibleBank Checking Accounts

Start Banking

Best For

Online Banking

Loan Options

Credit Cards

Low Minimum Deposits

Investment Options

Interest-Earning Checking Account Option

Incredible Bank offers two checking accounts that can address your everyday needs, while also allowing you to save some money.

Fees

$0 to $7 waivable monthly fee

APY

Up to

Min Opening

$25

Pros

• Low minimum deposit
• Funds are FDIC-insured
• No maintenance fee for InSight Checking

Cons

• InFocus checking allows you to earn interest 
• Limited physical branch access 
• Higher balance needed to waive the InFocus fee

Quick Take

IncredibleBank offers accessible everyday checking for those who want to make withdrawals and deposits. Account holders can earn interest on balances with the InFocus checking account. 

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IncredibleBank Savings Account  

IncredibleBank offers one savings account. Here are the details: 

• IncredibleBank’s InSight Savings account requires a minimum deposit of $25. 
• This savings account has no monthly balance requirement or fees. 
• The annual percentage yield (APY) earned on your funds is . 
• The account interest rate is variable, so it could change. 

IncredibleBank Savings Account

Start Banking

Best For

Online Banking

Loan Options

Credit Cards

Low Minimum Deposits

Investment Options

Low-Maintenance Savings Account With a Small Initial Deposit

IncredibleBank Savings is ideal for people who want a simple, no-minimum, no-hassle savings account they can manage entirely online. It works if you value low fees, nationwide ATM access, and a clean digital experience over in-branch banking.

Fees

No monthly service fee

APY

Min Opening

$25

Pros

• No monthly maintenance requirement  
• Low minimum deposit
• FDIC-insured

Cons

• Low APY 
• Limited physical branches 
• Fewer product options compared to bigger banks

Quick Take

This account stands out because folks can grow their savings without having to worry about fees. The account has no monthly sneak charges.

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IncredibleBank CD Accounts  

IncredibleBank certificate of deposit (CD) options offer higher interest rates than standard savings accounts, but they come with more restrictions in terms of accessing money.

• You can open a new CD account with a minimum deposit of $1,000.
• IncredibleBank CDs are FDIC-insured.
• Current CD terms are from 6 months to 36 months.
• You can earn up to APY.

IncredibleBank CD Accounts

Start Banking

Best For

Online Banking

Loan Options

Credit Cards

Low Minimum Deposits

Investment Options

Reliable Savings With Flexible Terms

IncredibleBank offers competitive CD rates, which makes it a reliable source for those who want to lock in their funds for steady growth. 

Fees

Early withdrawal penalties may apply

APY

Up to

Min Opening

$1,000

Pros

• Interest compounds daily
• Competitive rates
• Low minimum deposit

Cons

• Limited liquidity 
• Early withdrawal penalty

Quick Take

CDs offer a way for those who have extra cash to save. Rates tend to be higher than those of a traditional savings account.

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Banking Experience

Customer service at IncredibleBank is very accessible. To contact a representative with questions, dial 1-888-842-0221, which is the general service number. For online and mobile banking questions, you can email info@incrediblebank.com.

You can also schedule an appointment online to see a dedicated Relationship Banker in person at your local branch. Or you can log in to your IncredibleBank banking account to send the bank a secure message.

IncredibleBank’s app on Google Play is rated as 4.7 out of 5, while on the Apple App Store the rating is 4.8 out of 5.

How Does IncredibleBank Compare?

Checking

Savings

CDs

SELECTED BANK

IncredibleBank Checking Accounts

Start Banking

MOST COMPARABLE

4.1

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

PNC Checking Account

Read Review

MOST COMPARABLE

4.5

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

KeyBank Checking Accounts

Read Review

Fees

Fees

Fees

$0 to $7 waivable monthly fee

$7 to $25, waivable

$0 to $25, many waivable

APY

APY

APY

Up to

N/A

for Key Select Checking

Min Opening

Min Opening

Min Opening

$25

$0 to $25

$0 to $50

SELECTED BANK

IncredibleBank Savings Account

Start Banking

MOST COMPARABLE

PNC Standard Savings Account

Read Review

MOST COMPARABLE

KeyBank Savings Accounts

Read Review

Fees

Fees

Fees

No monthly service fee

$0 to $5 waivable monthly charge

$0

APY

APY

APY

Up to

Min Opening

Min Opening

Min Opening

$25

$0 to $25

$10

SELECTED BANK

IncredibleBank CD Accounts

Start Banking

MOST COMPARABLE

3.1

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

PNC CD Accounts

Read Review

MOST COMPARABLE

3.0

GBR RatingGOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.

KeyBank CD Accounts

Read Review

Fees

Fees

Fees

Early withdrawal penalties may apply

No monthly service fee

N/A

APY

APY

APY

Up to

Up to

Up to

Min Opening

Min Opening

Min Opening

$1,000

$1,000

$2,500

IncredibleBank vs. PNC Bank

IncredibleBank is located mainly in Wisconsin and Michigan, with at least one location in Florida, while PNC has locations in over 27 states. Both offer comparable APYs on savings, and CDs require a minimum deposit of $1,000. 

IncredibleBank offers up to APY on its CDs, and PNC Bank’s highest rate is up to . 

IncredibleBank vs. KeyBank

IncredibleBank requires a low minimum opening deposit of $25 on its savings accounts, while KeyBank requires only $10.

KeyBank also has much higher monthly maintenance fees on its checking accounts than IncredibleBank does — up to $50 versus $0.

IncredibleBank vs. Bank of America 

IncredibleBank has more of a regional presence, while Bank of America, Member FDIC, has multiple nationwide locations. If you have higher balances, Bank of America may be a better fit. IncredibleBank has limited checking account options, and if you prefer a personalized experience, this financial center is ideal for you. 

Final Take  

IncredibleBank combines the convenience of online banking with physical branches when you need them, as long as you are in Wisconsin or Michigan’s Upper Peninsula. If you’re not, you can do everything you need to do online. Interest rates are solid, and the bank offers all the products and services that most people need.

Karen Doyle and Cynthia Measom contributed to the reporting for this article.

To determine the Best Online Banks of 2026, GOBankingRates looked at the following factors across exclusively online banks: (1) total assets as sourced from the FDIC; (2) monthly checking fee ratio (percent the minimum to avoid fee compared to the monthly fee itself); (3) savings APY; (4) 1-year CD APY; (5) Bauer rating (out of 5 stars); (6) products/services offered (auto loans, mortgage loans, credit cards, investment services, and insurance); and (7) the average mobile app rating between the Google Play (Android) and Apple stores. Factors (1) and (2) were weighed 0.5 times, and factors (3) and (7) were weighed 2 times. For all savings and checking account data, only the basic accounts or products offered at each institution were analyzed. All products and offerings had to be available as of Oct. 4, 2025, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 11, 2025.

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 11, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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