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Checking Account Options
Direct Deposit
You can have your monthly earnings automatically deposited to your WSECU account. No waiting in a payday line, mailing an envelope or losing a check.
To get started, simply pick up a Direct Deposit form at your employer’s payroll or pension office, or contact our Call Center at 800.562.0999, weekdays from 7 a.m. to 7 p.m. and Saturdays from 9:30 a.m. to 2 p.m.
To get signed up for Direct Deposit your payroll office will need WSECU’s ABA routing and transit number. For your reference that number is 325181028.
Payroll Deduction
With payroll deduction, you can automatically deposit part of your paycheck into your savings account. Or, automatically make payments to your WSECU loans.
It’s an easy way to say goodbye to missed payments and late fee charges. Payroll deduction cards can be obtained by contacting our Call Center at 800.562.0999, weekdays from 7 a.m. to 7 p.m. and Saturdays from 9:30 a.m. to 2 p.m.
Debit Card
Our free debit card simplifies your financial activities into just one card.
Use it as an ATM card to get cash or access your accounts from any machine bearing a Visa, Exchange, Accel or Plus logo.
Use it as a debit card for point-of-sale machine services. Or, use the debit card instead of writing a check in stores, hotels and restaurants where Visa is accepted. Simply present your card, sign the receipt and the transaction is automatically deducted from your checking account.
To get your WSECU debit card simply stop by your local branch or contact our Call Center at 800-562-0999 weekdays from 7 a.m. to 7 p.m. and Saturdays from 9:30 a.m. to 2 p.m.
Overdraft Options
Three helpful options keep you covered should you experience an overdraft:
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Savings Transfer - Automatically withdraws the necessary funds from your savings account(s) if available. A small $5 fee applies to each overdraft protection transfer.
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Personal Line-Of-Credit - A line of credit advance can be activated prior to accessing overdraft protection. Although you incur interest after the advance there are no fees for this service and you only pay interest on the outstanding balance.
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Overdraft Privilege* - A discretionary program designed to save you money and keep your good credit history intact. Overdraft Privilege-now available on most checking accounts-covers outstanding checks, electronic debits, Return Deposit Items, ATM and debit card transactions up to your established limit, all for a minimal fee per transaction and no monthly service charges.
*Checking account must be in good standing for 30 days. Payment of any overdraft will continue at the discretion of the credit union. ODP will be revoked if accounts are not brought current at least once every 35 days. All fees associated with payment of overdraft items are applied to the available Overdraft Privilege limit. Organizational/Business Accounts, Minor Accounts and accounts involved in legal action such as garnishments or bankruptcies are excluded from this service. Money Mover accounts have a $500 limit. Money Mover II and Interest Checking accounts have a $1,000 limit. Certain accounts are not eligible for ODP.
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Convenient Electronic Access
Enjoy 24-hour account access by phone or online.
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ActionLine is our phone banking service, and it’s a great place to go for balance inquiries, account transfers and loan payments. Signing up for ActionLine is easy. Contact our Call Center at 800.562.0999 to receive your access code and get started.
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LoanLine lets you start a consumer loan with the convenience of 24-hour telephone access. Check our current loan rates, calculate your payments and apply for a loan - all before breakfast. To try LoanLine call 800.548.6060 and press option 3.
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Online Banking lets you conduct credit union business from your personal computer 24/7. See up-to-the-minute balances, transfer funds, view your account history and images of your cleared checks, all with the security and convenience you’ve come to expect from WSECU.
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BillPay Online makes it easy to pay monthly bills. You set up the vendors and payment amount. Then the money is automatically withdrawn from your account and sent to the payee. BillPay even lets you schedule common bill payments and download your account information into your personal bookkeeping program. BillPay Online is free!
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