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Checking and Savings


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We’ve made choosing a checking account simple with flexible checking options, each with its own advantages. Add Free eBanking for 24/7 account access for even more convenience.

View our Comparison Chart of all Checking Accounts.

Free Checking (ages 14 and older)1

  • Unlimited check writing.
  • No monthly service charges.
  • No minimum balance requirements.
  • Free ATMs.2
  • Free eBanking/Bill Pay/eStatements/eAlerts.
  • Ages 14 - 17 make a deposit and be entered to win monthly drawings.

Interest Checking

  • Unlimited check writing.
  • Free ATMs.2
  • Free eBanking/Bill Pay/eStatements/eAlerts.
  • $10 monthly service charge is waived if a balance of $2,500 or more is maintained.


  • No minimum balance requirements.
  • No monthly service charge.
  • Free ATMs.2
  • Up to $20/month fee rebates (incurred by other ATM owners).3
  • Earn a high rate for balances under $20,000 when you meet these requirements:
    • Complete one or more Direct Deposit or ACH transfers per month totaling a minimum of $500
    • Complete 10 PIN or signature based Debit Card Transactions per month
    • Sign up and activate eStatements


With WCCU's eBanking, you have access to your accounts anytime, anywhere.

Click here to learn more about Free eBanking, Free Bill Pay and More!

Debit MasterCard®

Your WCCU Debit MasterCard® is designed to make accessing your accounts easier than ever.
Here are a few of the advantages of this versatile card:

  • It can be instantly issued at any of our four branch locations upon account opening or if your card is lost or stolen.
  • It can be used anywhere MasterCard® is accepted.
  • It deducts funds directly from your checking account (This means no finance charges and no monthly credit card bill).
  • It can be used at participating ATM's worldwide and wherever you see the NYCE PIN network logo.
    • Click here to learn about our ATM Networks which include WCCU ATM's, the Credit Union Connection ATM Network and Debit MasterCard® SUM ATM Network.

Planning to travel? For your security, your Debit/ATM card may be blocked in certain destinations. Call us at 401.596.7000 before you travel for the most updated information. 

To report a lost or stolen card please call us immediately. Block your card by logging into eBanking. 

General Disclosure Statement and Electronic Fund Transfer Card Holder and Account Agreement.
Debit MasterCard® FAQ's

Overdraft Coverage:

Mistakes happen. Avoid getting declined when it counts. 

Click here to compare our current overdraft coverage programs to see what suits your needs.

You can also extend your Overdraft Privilege to cover your ATM and Debit MasterCard® transactions by signing up today.

  • Click here to sign up using our secure Overdraft Privilege electronic authorization form.
  • Click here for Overdraft Privilege authorization thru eBanking.

Checking Accounts
Effective Date: Monday, February 24th, 2020
ProgramRateAPY*Minimum Daily Balance to earn APY
Free Checking 0.00% 0.000% $0.00
Interest Checking 0.00% 0.000% $0.00 to $2,499.99
  0.05% 0.050% $2,500 to $9,999.99
  0.10% 0.100% $10,000 to $49,999.99
  0.20% 0.200% $50,000 and above
eChecking** 2.96% 3.000% $0.00
eChecking & Interest Checking require $10 min. to open.

*Annual Percentage Yield (APY) is subject to change without notice. Fees may reduce earnings. **Rate shown is for balances $0 - $19,999.99, balances of $20,000 or greater will earn .50% APY. To receive the higher rates, members must meet the following requirements: use their debit card a minimum of 10 times per month as a PIN or signature based transaction, sign up and activate eStatements, and complete 1 or more direct deposit or ACH transfers per month totaling a minimum of $500. If account does not meet the criteria, the monthly rate will be .10% APY.

1) Those under the age of 18 must have a Parent or Guardian on the account. 2) Other ATM owners may impose a surcharge for the use of their ATMs. 3) WCCU will rebate these ATM fees up to $20 with proper receipts submitted once per month. Click here to view our Fee Schedule and for a copy of our complete account disclosure, please contact a Member Service Representative.

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