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eChecking Account

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

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  • No Monthly Fees
  • High Dividend Rate
  • Monthly ATM rebate**
No Monthly Fees
High Dividend Rate
Monthly ATM rebate**
Cashback Checking Account eChecking Account Free Checking Account Debit Cards Overdraft Coverage Reorder Checks Youth Checking Account

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 4.00% 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

FAQs

  • 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. 
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 your account does not meet the criteria, you will earn a monthly rate of 0.10% APY.
Balances of $20,000 or greater will earn 0.50% APY.
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 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.

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

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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

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We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.
*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.