Free Checking Account

The account that frees up your money for better things.

  • No minimum balance required
  • Unlimited check-writing
  • Unlimited eBanking
No minimum balance required
Unlimited check-writing
Unlimited eBanking

What's the catch? Honestly, there isn't one.

Whoever said, "You don't get something for nothing," clearly wasn't a WCCU member. Our Free Checking really doesn't cost a dime. And it comes with a long list of "somethings" — including 24/7 eBanking services designed to save you time and make your life easier.

  • Unlimited check-writing
  • No monthly service charges
  • No minimum balance requirements
  • Network of surcharge-free ATMs*
  • Mastercard Debit Card
  • Free eBanking with electronic Bill Pay
  • Free mobile app with mobile check deposit
  • Free eStatements and eAlerts keep you up to date with account activity
  • Ages 14 - 17 make a deposit and be entered to win monthly drawings


Westerly Community Credit Union is a full-service credit union serving all of Rhode Island and Windham and New London County, CT. In order to open an account, you must live or work in one of these areas.
WCCU will reimburse up to $20 of “foreign” atm fees (other institutions fees) per month when you bring in a receipt to one of our Branch Offices. You can submit ATM receipts for reimbursement once per month.
  • If you open your account in the Branch, you will receive your Debit card immediately. We can create and print them in the Branch. 
  • If you open your account online, then you debit card will be mailed to you within 7-10 business days. 
You can open a Overaft Line of Credit or you can link a WCCU Savings account to your Checking account which allows you up to 6 transfers per month and only charges a $5 transfer fee per transaction. 

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, RichmondWakefield, and Coventry.

Auto Loans
Burn rubber, Not Cash with NO Auto Loan PAYMENTS for 60 days and rates as low as 5.99% APR*

Free Credit Report Review

We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.
* Other ATM owners may impose a surcharge for the use of their ATMs.