Skip to content
Skip to main content

Main Header

Let’s credit union.

WSECU Checking Accounts

Open today

Here's what you'll need

Here's What You'll Need

Checking, Savings, Share Certificate or Money Market Account

  • Valid photo ID
  • SSN or ITIN
  • Date of birth
  • Address
  • Money for an opening deposit

Minor Accounts

  • Valid Photo ID (if minor doesn't have an ID, an adult must be a joint signer)
  • SSN or ITIN
  • Date of Birth
  • Address
  • Money for an opening deposit

New member? For security, WSECU verifies identity with a soft credit pull, which does not affect credit scores. Please remove any credit freezes by contacting the relevant credit bureaus.

Let’s credit union.

WSECU Checking Accounts

Open today

Here's what you'll need

Here's What You'll Need

Checking, Savings, Share Certificate or Money Market Account

  • Valid photo ID
  • SSN or ITIN
  • Date of birth
  • Address
  • Money for an opening deposit

Minor Accounts

  • Valid Photo ID (if minor doesn't have an ID, an adult must be a joint signer)
  • SSN or ITIN
  • Date of Birth
  • Address
  • Money for an opening deposit

New member? For security, WSECU verifies identity with a soft credit pull, which does not affect credit scores. Please remove any credit freezes by contacting the relevant credit bureaus.

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

Cash Back Checking benefits

  • Earn money with every swipe — up to 1% on debit card purchases
  • Get paid up to two days early with Early Direct Deposit†
  • Free Person 2 Person Transfer‡
  • No monthly service fee

Open today

Basic Checking benefits

  • Write personal checks for free
  • Get paid up to two days early with Early Direct Deposit†
  • Free Person 2 Person Transfer‡
  • No monthly service fee

Open today

Balanced Checking benefits

  • No overdraft or non-sufficient funds (NSF) fees*
  • Automatically increase your savings with every swipe
  • Purchases rounded up to the nearest dollar and change transferred to savings
  • Get paid up to two days early with Early Direct Deposit†

Open today

Included with all WSECU checking accounts

  • WSECU debit card
  • Overdraft Protection
  • Online Banking & Bill Pay
  • Early Direct Deposit†
  • Person 2 Person Transfer‡
  • Free eStatements

Why WSECU?

Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. And since you’ll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you’ll see the good happening all around you. Every day.

Forbes 2025 Best-In-State Credit Unions - 5 Years Running

See Rate and Fee Schedule for complete details.

† Early access to direct deposit funds is based on the timing in which we receive notice of impending deposit, which is typically up to two days before the scheduled payment date.

‡ PayItNow P2P Transfer is not available for small businesses or organizations.

* See our Courtesy Pay Policy for full details.

Feedback submission button and cookie policy notification.

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.