If you’re in your 20s or 30s and bored with big-bank hassles — monthly fees, weak interest, and fine print that always seems to work against you — you’re not alone. More and more young adults across Northwest Indiana and the Illinois Suburbs are putting their money where their values are: local credit unions that actually reward them.
Enter InCENTIV Checking, the checking account designed for your life — rewarding you for the everyday banking you already do. In this post, we’ll explore why young adults are moving away from national banks, what makes local credit unions like Tech Credit Union stand out, and how InCENTIV Checking is redefining what a “checking account” can be.
🌍 The Rise of Local Banking Among Young Adults
Digital Convenience Meets Community Values
Young professionals and students expect seamless mobile banking, but they also care about purpose and impact. National banks may offer flashy apps, but their decisions rarely benefit your community.
That’s where local institutions like Tech Credit Union step up — combining modern technology with local values. Whether you’re working remotely in Orland Park, starting your first job in East Chicago, or saving for a new apartment in Lowell, Tech Credit Union gives you the digital convenience you expect with the local connection you deserve.
A Generational Shift
Gen Z and Millennials value transparency and shared values as much as rates.
Credit unions are seeing increased interest from young members who want to feel connected to their financial institutions.
The trend is clear: young adults want better control, fairer terms, and real relationships.
This new financial generation isn’t just managing money — they’re managing meaning.
🏘️ Why Local Credit Unions Have the Edge
More Value, Fewer Fees
Unlike national banks driven by shareholder profit, local credit unions return earnings to members. That means better rates, fewer fees, and higher rewards.
Your Money Stays Local
Every dollar deposited supports your community — from small businesses in Cedar Lake to homebuyers in La Porte. Your money isn’t disappearing into corporate pipelines; it’s helping local families and entrepreneurs succeed.
Local Support That Knows You
No endless phone trees or generic responses — just people from your area who understand your financial goals and community. Whether you visit the Gary or East Chicago branch, or bank online from Calumet City, you’ll always have access to real support from a real person.
💳 Meet InCENTIV Checking — Banking That Rewards You
A Modern Account for Modern Members
InCENTIV Checking is built for your lifestyle — whether you’re managing your first job, paying off student loans, or just starting to build savings. It rewards you for simple, everyday actions that make sense.
Key Benefits of InCENTIV Checking
✅ No monthly maintenance fees
💸 Earn Monthly dividends* on balances based on tiers, see details here.
📱 Mobile-first access — deposit checks, track spending, and manage your card on the go
🏦 No minimum balance requirement
🤝 Local service and support from people who live where you live
It’s the perfect blend of digital freedom and local reliability.
Standing Out From Big Banks
While many national banks advertise rewards checking, few offer the transparency or flexibility of Tech Credit Union. With InCENTIV Checking, you can enjoy the same (or better) benefits — without hidden strings attached.
💡 Real Ways InCENTIV Checking Helps You Grow
Earn While You Spend
Most checking accounts sit idle. InCENTIV Checking rewards your everyday spending — giving you back more just for using your debit card and managing your account responsibly.
How it works:
Make 10 debit card purchases each month and enroll in E-Statements. Earn a % of monthly dividends based on the amount of your balance. From the rates page you will be able see what the current rate is.
Build Better Habits Automatically
Set savings goals, use mobile alerts, or track spending habits right from the app. These tools help you stay organized and mindful about money without adding stress.
Perfect for Early Careers and Students
Whether you’re just finishing school or landing your first job, InCENTIV Checking gives you the flexibility to grow. No complex requirements. No barriers to access. Just smart, simple banking designed for you.
How to Make the Switch
It’s Fast and Simple
Open InCENTIV Checking online or at your nearest branch (Gary, East Chicago, Lowell, La Porte, Cedar Lake, Calumet City, or Orland Park).
Move your direct deposit and recurring payments.
Use your debit card for everyday purchases and earn dividends monthly.*
Enjoy monthly dividends with no cap on how much you can earn.
Switching has never been easier — and you’ll notice the difference immediately.
🏁 Conclusion
Young adults today want more from their financial institutions — flexibility, fairness, and a genuine connection to where they live. Tech Credit Union delivers all that and more.
With InCENTIV Checking, you’re not just opening an account; you’re joining a local movement built around rewarding smart banking and supporting local growth — from La Porte to Orland Park.
Your money should work for you — and for your community.
Start earning more today with InCENTIV Checking from Tech Credit Union.
*APY = Annual Percentage Yield. InCENTIV Checking dividends paid are determined by the amount of deposit balance within each rate tier. Dividends are calculated by the daily balance method and are compounded and credited monthly. The Board of Directors declare dividend rates at their regular monthly meeting. Rates may change monthly. Must meet qualifications to receive monthly dividends.
Tech Credit Union is prohibited from paying dividends in excess of earnings. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
