Features Regular Checking A+ Checking InTune Checking
Initial Deposit $5 $5 $5
Pays You Dividends on entire balance Earns interest on balance & on deposits of $5 - $10K/month. Earns higher interest rate on balance & deposits $5 - $10K/month. 1.10% APY* on balances up to $10K when qualified**  
Minimum Balance $5 $5 $5
No Monthly Fee checkmark checkmark checkmark
VISA® Debit / Cash Card checkmark checkmark checkmark
Point of Sale Purchases (in stores & online) Free & Unlimited Free, Unlimited, Minimum 10/month** Free & Unlimited
ATM Access All ATMs All ATMs All ATMs
ATM Fees Free unlimited use of WCTFCU ATMs. Free unlimited use of WCTFCU ATMs. Free unlimited use of WCTFCU ATMs.
ATM Fee Refunds With estatements get automatic reimbursement up to $15/month, maximum $5/transaction. Processed first of following month. (As of 7.1.17) Automatic monthly reimbursements up to $25/ month. Maximum $5/transaction. Processed first of following month. When stated account qualifications are met**. Automatic ATM fee reimbursements up to 8 per month (up to $25/ month)
Checks unlimited check writing unlimited check writing unlimited check writing
Paper Check costs First 50 Free First 50 Free First 50 Free
Monthly Paper Statements Free Free Free
Monthly eStatements Free Free Free
Online Banking Free Free Free
Mobile Banking Free Free Free
Mobile Deposit Free Free Free
Direct Deposit Free Free Free
Bill Pay Free Free Free
24-hour Telephone Teller Free Free Free
Overdraft Protection Free Free Free
Other features   Agree to one: 1) Direct Deposit, or 2) ACH automatic debit, or 3) WCTFCU online bill-pay. *See Member Services For Details iTunes® credit Rewards. Free $20 iTunes credit with new account. Get monthly $5 iTunes credit if you complete 15+ unique debit card purchases/ month & get e-statements.
  Open Account Open Account Open Account

Rates & Offers may change at any time. Contact branch for most current information.

*APY = Annual Percentage Yield

**Qualified Members have met the specifications for the account, for that month.