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Checking Accounts

Choosing a Checking Account has never been easier!

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Checking Accounts Savings Accounts Youth Accounts Retirement Accounts

Pick the spending account that suits your needs.

Go with totally free checking. Or earn dividends on deposits. No matter which route you choose, you'll benefit from time-saving eBanking services, a free debit card and a nationwide ATM network.
Cashback Checking Account
Turn Everyday Moments into Cashback! Earn 3% cashback on transactions and get EARLY direct deposit!
eChecking Account
eChecking is perfect for those who are always on the go! Earn high interest for using eBanking and eServices.
Free Checking Account
Keep it simple — no monthly fee, no requirements and easy access 24/7 with electronic bill pay, mobile app, and more eBanking tools.
Youth Checking Account
Empower teens ages 10 - 17 to manage their money with confidence.
Debit Cards
Withdraw cash from ATMs and make secure purchases online and in stores with your WCCU Mastercard debit card.
Overdraft Coverage
Mistakes happen. Protect yourself against returned check fees and declined transactions with Overdraft Protection.
Reorder Checks
All it takes is a few clicks. It's fast and easy to order a new batch of WCCU checks online.
Account Features
Cashback Checking
Open an Account Learn More: Cashback Checking
Minimum Opening Balance $10
Minimum Balance to Avoid Monthly Fee None if $500 minimum monthly direct deposit is maintained
Monthly Fee $5 if direct deposit is not maintained
Rate Tiers None
Foreign ATM Fees Free ATMs*
Direct Deposit Required Yes
Transaction Fees None
Additional Benefits Cashback on transactions
Free eBanking
Free Bill Pay
Free eStatements
Debit card
ATM access
Checks
Account Features
eChecking
Open an Account Learn More: eChecking
Minimum Opening Balance $10
Minimum Balance to Avoid Monthly Fee None
Monthly Fee None
Rate Tiers $0 – $19,999.99
$20,000 and greater
Foreign ATM Fees Free ATMs*
Up to $20/month fee rebates (incurred by other ATM owners)**
Direct Deposit Required Yes
Transaction Fees None
Additional Benefits Free eBanking
Free Bill Pay
Free eStatements
Debit card
ATM access
Checks
Account Features
Free Checking
Open an Account Learn More: Free Checking
Minimum Opening Balance $10
Minimum Balance to Avoid Monthly Fee None
Monthly Fee None
Rate Tiers None
Foreign ATM Fees Free ATMs*
Direct Deposit Required No
Transaction Fees None
Additional Benefits Free eBanking
Free Bill Pay
Free eStatements
Debit card
ATM access
Checks
Account Features
Cashback Checking
Open an Account Learn More: Cashback Checking
eChecking
Open an Account Learn More: eChecking
Free Checking
Open an Account Learn More: Free Checking
Minimum Opening Balance $10 $10 $10
Minimum Balance to Avoid Monthly Fee None if $500 minimum monthly direct deposit is maintained None None
Monthly Fee $5 if direct deposit is not maintained None None
Rate Tiers None $0 – $19,999.99
$20,000 and greater		 None
Foreign ATM Fees Free ATMs* Free ATMs*
Up to $20/month fee rebates (incurred by other ATM owners)**		 Free ATMs*
Direct Deposit Required Yes Yes No
Transaction Fees None None None
Additional Benefits Cashback on transactions
Free eBanking
Free Bill Pay
Free eStatements
Debit card
ATM access
Checks		 Free eBanking
Free Bill Pay
Free eStatements
Debit card
ATM access
Checks		 Free eBanking
Free Bill Pay
Free eStatements
Debit card
ATM access
Checks
WCCU helped my wife and I pay off our mortgage. We have been mortgage-free for over a year now and have gained financial freedom.
David I. of Charlestown
We joined right after WCCU opened. Needed a loan to pay off some bills. Everyone is so helpful and always has a smile for you. Always made me feel like part of the family. For me...the WCCU is the only place to bank! Thank you so much for such great service over the many years!
Gerry M. of Westerly
We joined the WCCU many years ago because we really got tired of the big banks with their big fees and lack of community. We stayed because they treated us like we mattered. They valued their members by offering great rates on mortgages and HEQ loans. When my husband became ill, they worked with us until we could get back on our feet. Only small hometown banks offer this type of service.
Deanna C. of Westerly

Helpful Resources

CD & Money Market Specials

Watch your money grow with these great specials!
*Other ATM owners may impose a surcharge for the use of their ATMs.**WCCU will reimburse up to $20 of “foreign” atm fees (other institutions fees) per month with receipts. WCCU will rebate these ATM fees up to $20 with proper receipts submitted once per month.