Special $100 Checking Offer!! (offer available 4.1.19 - 6.30.19)

Get $100 when you: 

 

1. Open a new checking account choose from among 3 options
2. Establish a recurring Direct Deposit of $250/month minimum

Our Checking Accounts deliver:

Free Visa® Debit Card
 Free ATM Transactions*
Free Mobile App with Mobile Check Deposit
Free P2P person to person funds transfer
Free Online Banking, eStatements & Bill Pay
Free Direct Deposit**
Free 1st order of checks
Free 24/7 Telephone Banking
Free Debit Card Security App, CardValet®


Choose from 3 checking account options. A+ Checking, Regular Checking, and InTunes Checking. (See comparative chart below.) Interest is paid on your WCTFCU checking account funds on deposit, regardless of balance***. No monthly service charges & no minimum balance!

Promotional offer good 4/1/19 – 6/30/19. Available to qualified applicants. When qualifications met, $100 will be deposited to qualified Member’s newly created checking account by 10/31/19. All amounts will be reported to the IRS; Member is responsible for any applicable taxes. Interest is paid on your WCTFCU checking account funds on deposit, regardless of your balance. When qualifications met. ***InTune Checking account earns iTunes® credits in lieu of interest. *ATM fee reimbursement = Free unlimited use of WCTFCU ATMs, & with estatement get automatic reimbursement (up to $15/month with Regular Checking, and $25/month with A+ Checking) maximum $5/transaction. **Direct Deposit transactions must be activated after 4/1/19, between the date checking account is opened and 9/30/19. Direct deposit transactions are limited to Payroll, Social Security, Pension and Government Benefits.
Re-order Checks

Checking Account Comparison

Features Regular Checking A+ Checking InTune Checking
Initial Deposit $5 $5 $5
Pays You Dividends on entire balance Earns interest on balance. Earns higher interest rate on balances of $5 - $10K/month. 1.10% APY* on balances up to $10K when qualified** Earns you iTunes credits** when qualified.
Minimum Balance $5 $5 $5
No Monthly Fee checkmark checkmark checkmark
VISA® Debit / Cash Card
CardValet Security App
checkmark checkmark checkmark
Point of Sale Purchases (in stores & online) Free & Unlimited Free, Unlimited, Minimum 10/month** Free, Unlimited,  Minimum 15/month**
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. Paid first of following month. (as of 7.1.17) Automatic monthly reimbursements up to $25/ month. Maximum $5/transaction. Paid on last day of month. When stated account qualifications are met**. Automatic monthly reimbursements up to  $25/ month. Maximum $5/transaction. Paid on last day of month. When stated account qualifications are met**.
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   Required: 1) Select estatements, 2) minimum 10 Debit Card purchases posted & cleared to account per qualification cycle. 3)Do one of the following: a) Direct Deposit, or b) ACH automatic debit, or c) WCTFCU online bill-pay. *See Member Service For Details Required: 1) Select estatements, 2) minimum 15 Debit Card purchases posted & cleared to account per qualification cycle.
  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.


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Learn more about Checking Accounts.


Knowledge is Power. A checking account is a basic and central tool to your money management process. Use it to manage your money more effectively, efficiently and responsibly.

WCTFCU's 3 Checking accounts have no service fees, and no minimum balance. Different types of checking accounts to meet various financial needs. It’s important to compare and understand the features, fees and requirements before opening an account.

To learn the Checking Account Basics
 visit Money-Wise! for quick learn videos about:

+ Checking account features & benefits
+ How checking accounts work
+ Debit cards vs. credit cards

Money-Wise!