Skip to content
Skip to main content

Main Header

Appointments Branches & ATMs
Join now

Checking accounts for everyone in Washington

Enjoy early direct deposits with one of our hassle-free checking accounts.

Cash Back Checking
Earn cash back automatically.

Balanced Checking
Stay within your balance and enjoy automatic round-up savings.

Basic Checking
Hassle-free with no monthly service fees.

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.

Checking accounts

Enjoy early direct deposits with one of our hassle-free checking accounts.

Cash Back Checking
Earn cash back automatically.

Balanced Checking
Stay within your balance and enjoy automatic round-up savings.

Basic Checking
Hassle-free with no monthly service fees.

Open today

Here's what you'll need

Included with all WSECU checking accounts

  • WSECU Debit Card
  • Online Banking & Bill Pay
  • Overdraft Protection
  • Free eStatements
  • Early Direct Deposit*
    • Person 2 Person Transfer†

Cash Back Checking

A debit card with rewards for your everyday purchases plus additional earnings.

Recommended if: You use your debit card for most purchases and love getting cash-back rewards.

  • Earn 5.00% APY‡ on everyday balances up to $1,000 when your direct deposit is greater than $1,000 per month.
  • Automatically receive 1% cash back on gas, restaurant and airline purchases and $0.05 cash back on other debit card purchases when your direct deposit is greater than $1,000 per month.
  • Automatically receive $0.05 cash back on debit card purchases when $1,000 per month direct deposit is not met.
  • Free e-statements; mailed paper statements available for $3/month.
  • No monthly service fee.
  • Courtesy Pay available.§

Open today

Balanced Checking

Build healthier financial habits and save more with our round-up savings checking account.

Recommended if: You prefer an all-digital account that encourages financial stability through automatic savings.

  • Every debit card purchase is rounded up to the nearest dollar and the difference is transferred to your savings (minimum balance of $50 required for savings to occur).
  • Free eStatements. Mailed paper statements not available.
  • Monthly account fee is $5.
  • No personal checks.
  • No overdraft feesFees incurred due to withdrawing more funds than currently available in an account, but the financial institution allows the transaction to clear..

Open today

Basic Checking

Like to keep it simple? Try this traditional checking account.

Recommended if: You regularly write checks and prefer no service fees.

  • Free eStatements; mailed paper statements available for $3/month.
  • Write personal checks for free.
  • No monthly service fee.
  • Courtesy Pay available.§

Open today

Digital Services

Mobile Banking

  • Manage your account settings and profile.
  • Sign in securely using biometrics.
  • Deposit checks from your mobile device.
  • Transfer money to your external accounts.
  • Temporarily lock and unlock your cards.

Scan this code to learn more about our mobile app.

Scan this QR Code with your phone to learn more about the WSECU mobile app
App Store Google Play Store
An iphone displaying the WSECU mobile banking app
Youth Accounts
Credit Cards
Auto Loans
Personal Loan and Line of Credit

Resources

Fraud monitoring services for your WSECU debit and credit cards

Online and Mobile Banking Resources

Card Disputes | Frequently Asked Questions

* 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.

† Person 2 Person Transfer is not available for small businesses or organizations.

‡ Annual Percentage Yield. To qualify for the 5.00% APY on Cash Back Checking, you must receive qualifying direct deposits totaling at least $1,000.00 per month. Qualifying direct deposit is defined as one or more ACH deposits, totaling $1,000 or more per calendar month, deposited into a Cash Back Checking account. Direct deposit qualification is evaluated monthly. If this requirement is met, the 5.00% APY will be paid on balances up to $1,000.00 at the end of that month. Any portion of the balance above $1,000.00, or the entire balance if the direct deposit requirement is not met, will earn 0.01% APY. The promotional dividend rate for Cash Back Checking is effective through June 30, 2027.

§ See our Courtesy Pay Policy for full details.

See Rate and Fee Schedule for 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.