WSECU membership 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. Unparalleled member service. It’s no wonder Forbes ranked WSECU as the #1 Washington state credit union in 2023. 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.

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.

Product Selector	Hide this column Select a different account	Hide this column Select a different account	Hide this column Select a different account
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Hide this rowShow this row Recommended if	You use your debit card a lot and love cash back.	You want an all-digital account that boosts savings.	You like to keep it simple.
Hide this rowShow this row Automatic savings	Up to 1% cash back on gas, restaurant and airline purchases and $0.05 cash back on other debit card purchases (with $1,000 monthly direct deposit) $0.05 on debit card purchases without direct deposit	Purchases rounded up to nearest dollar and spare change transferred to savings	N/A
Hide this rowShow this row Paper statements	Mailed statements available for $3/month	Mailed statements not available	Free mailed statements
Hide this rowShow this row Courtesy Pay	Courtesy Pay available^‡	N/A	Courtesy Pay available^‡
Hide this rowShow this row Monthly fee	No monthly fee	$5 monthly fee	No monthly fee
Hide this rowShow this row Checks	Write personal checks for $1 per check	No personal check writing	Write personal checks for free
Hide this rowShow this row Overdraft fee	$2 per transfer	No overdraft fees	$2 per transfer
Hide this rowShow this row NSF fee	$27 per item	No non-sufficient funds (NSF) fees	$27 per item

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Cash Back Checking

Balanced Checking

Basic Checking

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Recommended if

You use your debit card a lot and love cash back.

You want an all-digital account that boosts savings.

You like to keep it simple.

Automatic savings

Up to 1% cash back on gas, restaurant and airline purchases and $0.05 cash back on other debit card purchases (with $1,000 monthly direct deposit)

$0.05 on debit card purchases without direct deposit

Purchases rounded up to nearest dollar and spare change transferred to savings

N/A

Paper statements

Mailed statements available for $3/month

Mailed statements not available

Free mailed statements

Courtesy Pay

Courtesy Pay available^‡

N/A

Courtesy Pay available^‡

Monthly fee

No monthly fee

$5 monthly fee

No monthly fee

Checks

Write personal checks for $1 per check

No personal check writing

Write personal checks for free

Overdraft fee

$2 per transfer

No overdraft fees

$2 per transfer

NSF fee

$27 per item

No non-sufficient funds (NSF) fees

$27 per item

WSECU Checking Accounts

WSECU Checking Accounts

Forbes #1

Cash Back Checking Benefits

Cash Back Checking Benefits

Basic Checking Benefits

Basic Checking Benefits

Balanced Checking Benefits

Balanced Checking Benefits

Included with all WSECU Checking Accounts

Why WSECU?

Additional Account Details

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