Checking Accounts

Navigate to Better Banking.

WCTFCU checking accounts are the perfect way to manage your money and offer quick and easy access to your funds.

All WCTFCU’s checking accounts have no monthly fees and no minimum balance.

Earn dividends on our A+ and Regular checking accounts.

Manage your checking account anytime with online and mobile banking.

Receive free access to your Credit Score & Credit Report when you enroll in SavvyMoney within in online or mobile banking.

Enjoy additional checking account features such as direct deposit, free bill pay, a digital wallet friendly debit card with fraud protection and ATM fee refunds.*

WCTFCU Checking Accounts

A+ Checking Account
InTune Checking Account
Regular Checking Account
VISA® Debit Card & CardValet Security App
Checking Account Rates and New Account Information
Financial tips on how to manage a Checking Account

Checking Account Comparison

Features	Regular Checking	A+ Checking	InTune Checking
Initial Deposit	$5	$5	$5
Pays Dividends	Earns dividends.	Earns higher rate on balances of $5.00 - $10K/month.	Earn iTunes credits** when qualified.
Minimum Balance	$5	$5	$5
No Monthly Fee
VISA® Debit / Cash Card CardValet Security App
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 receive reimbursement up to $15/month, maximum $5/transaction. Paid first of following month.	Monthly reimbursements up to $25/ month. Maximum $5/transaction. Paid on last day of month. When stated account qualifications are met**.	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 Box Free	First Box Free	First Box 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: estatements, 10 Debit Card purchases posted & cleared to account per qualification cycle. AND One of the following: Direct Deposit, OR ACH automatic debit, OR WCTFCU online bill-pay.	Required: estatements, AND 15 Debit Card purchases posted & cleared to account per qualification cycle.
	Open Account	Open Account	Open Account

*Restrictions apply. Criteria needs to be met to receive reimbursement. **Qualified Members have met the specifications for the account. Account qualification criteria subject to change. Contact branch for current information. An initial deposit of $5.00 is required to fund and open a new checking account.

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