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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 Online and Mobile Banking 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 Online & Mobile Banking/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 Online & Mobile Banking/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 up to $1,000 when you meet these requirements:
    • Use your Debit MasterCard® once monthly.
    • Pay minimum of one bill per month with Online Bill Pay.
    • Sign up for Online Banking.
    • Sign up & activate eNews, eNotices & eStatements.
    • Complete one direct deposit or ACH deposit transfer per month.


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

Click here to learn more about Free Online Banking, Free Mobile Banking, 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 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. Login into Online Banking to view our complete listing or call us at 401.596.7000. 

To report a lost or stolen card please call us immediately. Block your card by logging into Mobile Banking (select Manage Cards tab) or Online Banking (select Profile Settings then ATM/Debit Settings). 

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

Overdraft Protection:

Mistakes happen. Avoid getting declined when it counts. 

Click here to compare our current overdraft protection 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 Online Banking (click the "Other Services" tab).

To view the complete Overdraft Privilege disclosure, please click here.

Checking Accounts
Effective Date: Saturday, February 17th, 2018
ProgramRateAPY*Minimum Daily Balance to earn APY
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** 1.00% 1.000% $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 accounts which meet the following monthly requirements and have a balance less than $1000.00: member must sign up for Online Banking and sign up/activate eNews, eNotices, and eStatements. Member must also make 1 direct deposit or ACH deposit transfer per month, 1 debit card transaction and 1 bill pay transaction per month. If account does not meet the criteria, the monthly rate will be .10% APY. Balances $1000 and greater will earn an APY of 0.50% if requirements are met.

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 for our Complete Account Disclosure and Fee Schedule for more details. Federally insured by NCUA.

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