eChecking Account

In this case, the "e" could also stand for "exceptional."

  • No Monthly Fees
  • High Dividend Rate
  • Monthly ATM rebate**
No Monthly Fees
High Dividend Rate
Monthly ATM rebate**

Go digital and get a really great deal

All that paper? It's so old school. At WCCU, our eChecking is good for the planet and good for your account balance. By making regular use of digital services, you can earn an extra high dividend rate - plus you'll save valuable time.

  • Earn 5% APY* on balances under $20,000
  • No minimum balance requirements
  • No monthly service fees
  • Access to a network of surcharge-free ATMs
  • Up to $20 per month in fees rebated when you use non-network ATMs**
  • Free Debit Mastercard for faster purchases
  • Free eBanking with Bill Pay, Bank to Bank transfers, Remote Check Deposit and more
  • Free mobile banking

How to Earn More

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 for and activate eStatements

*Annual Percentage Yield (APY) is effective as of  and subject to change without notice. Rate shown is for balances $0 - $19,999.99. Balances of $20,000 or greater will earn 0.50% APY. To receive the higher rates, members must 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 0.10% APY. **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.


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

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