Comparison Table

Choose the one that’s right for you.

*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. A “qualification cycle” is a period beginning one day prior to the first day of the current statement cycle through one day prior to close of current statement cycle. A+ Checking cannot be used as an investment account. At the sole discretion of the Credit Union, if it is determined that the account is being so abused, notice thereof will be given to cease abuse, and failing to do so, the account will be closed 60 days from notice.

Your WCTFCU Debit Visa^® Card allows you to:

• Get cash at any ATM.
• Free, unlimited use of WCTFCU ATMs.
• The ability to have ATM fees reimbursed on a monthly basis depending on which WCTFCU Checking account you have.*
• Protect your account from fraud with personalized alerts, controls and the ability to monitor usage.
• Add your Debit Card to your mobile wallet for contactless payments (Apple Pay, Google Pay, Samsung Pay)

*Restrictions apply. Please review checking account chart for ATM reimbursement details.

Travel Note: Please call the branch in advance of traveling so you won't have disruption in service with your card.

Automatic Account-Updater
for Debit & Credit Visa Card Holders

Your WCTFCU Visa Debit card and Visa credit card provide the automatic Account Updater,* convenience service.

Are there merchants to whom you have given your Visa debit or Visa credit card to keep on file, for recurring payments? If so, this applies to you.

Whenever you receive a new or renewed Visa debit card or Visa credit card, your old card's information (i.e. number & expiration date) will automatically update to the new card's number & expiration date; for all  the merchants with whom you maintain your card on file for recurring payments (ex. subscriptions, gym memberships).

You may opt-out. If you do not want to utilize this convenience, you may opt-out. If you opt-out of this automatic update, it will be incumbent upon you to manually update your auto-charge merchants whenever you receive an updated WCTFCU debit and/or credit Visa card.

How to Opt-Out  To opt-out, click on the green Updater Opt-Out button.

Mobile Wallet

Make purchases with your WCTFCU Visa Debit Card and your smartphone's Digital Wallet App (Apple Pay, Google Pay, Samsung Pay*).

Simply add your WCTFCU card to your Digital Wallet App for quick, convenient & secure in-person and in-App purchases.

Direct Deposit is secure and convenient.

It’s the quickest way to receive your payroll direct deposit, pension payments, Social Security payments and tax refunds into your WCTFCU account.

Sign up to have your entire paycheck, or a portion of your paycheck, automatically deposited to your credit union account(s) through direct deposit.

Direct Deposit Form

It’s simple to get started:

• Print, complete and sign our Direct Deposit Authorization form.
• Submit the form to your payroll department for processing.
• WCTFCU Members may also sign up online through their Payroll department.
  
  

Note:  It may take several pay periods for your direct deposit to begin.

WCTFCU Routing Transit Number:  211179607

Overdraft Protection

Designed to protect a checking account from overdrafts.

Members must apply to activate Overdraft Protection, which is a Personal Line of Credit.

The line is activated in $100 increments whenever your checking account balance is not sufficient to cover a check that is presented for payment. Interest is charged on the outstanding Line of Credit balance.

Easily manage your checking account with Online and Mobile banking.