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 40 Free First 40 Free First 40 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. It's not just checks! It's your 'debit card' account, your 'P2P' account... it's your access to quick cash on the go!

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

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