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Checking Accounts

Parent and child and WSECU debit card

Checking Accounts for Everyone in Washington

With our checking accounts, you can simplify your checking experience with an account that fits your unique Washington lifestyle. Whether you want cash back rewards, automatic savings or a traditional hassle-free account, you'll find just what you need with us.

Cash Back Checking
Earn cash back automatically.

Balanced Checking
Stay within your balance without unexpected fees.

Basic Checking
Hassle-free with no monthly fees.

Open Today

Here's what you'll need

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Two women with shopping bags and WSECU Debit Card

Cash Back Checking

Great if you use your debit card for most purchases and love getting cash back rewards.

  • If you have direct deposit (greater than $1,000 monthly), automatically receive 1% cash back on gas, restaurants and airline purchases and $0.05 cash back on other debit card purchases.
  • If you don't have direct deposit, automatically receive $0.05 cash back on debit card purchases.
  • Write personal checks for $1 per check.
  • Free e-statements; mailed paper statements available for $3/month.
  • No monthly fee

Open Today

Cash Back Checking

Recommended if:
You use your debit card for most purchases and love getting cash back rewards.
  • Auto Savings Feature:
    Up to 1% cash back on purchases with direct deposit of $1,000+ per month
  • Check Writing:
    $1 per processed check
  • Monthly Fee:
  • Minimum Balance Requirement:
Included with account:
  • 1% cash back on gas, restaurants and airline purchases (with $1,000 monthly direct deposit)
  • $0.05 cash back on other purchases (with $1,000 monthly direct deposit)
  • $0.05 cash back on purchases without direct deposit
  • Courtesy Pay available
  • Paper Statements ($3 per month)
Included with all checking accounts:
  • WSECU Debit Card
  • Online Banking
  • Online Bill Pay
  • E-statements
  • Overdraft Protection

See Rate and Fee Schedule for complete details.

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Walking on a log and WSECU Debit Card

Balanced Checking

The perfect account if you want to save money automatically and build healthier financial habits.

  • Every debit card purchase is rounded up the nearest dollar and the difference is transferred to your savings.
  • No overdraft or non-sufficient funds (NSF) fees.
  • No personal checks.
  • Free e-statements. Mailed paper statements not available.
  • Monthly account fee is $5.

Open Today

Balanced Checking

Recommended if:
You prefer an all digital account that encourages financial stability through automatic savings.
  • Auto Savings Feature:
    Purchases rounded up and difference transferred to savings
  • Check Writing:
  • Monthly Fee:
    $5
  • Minimum Balance Requirement:
    $0
    ($50 for round-up savings to occur)
Included with account:
  • No overdraft fees
  • No non-sufficient funds (NSF) fees
  • Round-up automatically transfered to savings
Included with all checking accounts:
  • WSECU Debit Card
  • Online Banking
  • Online Bill Pay
  • E-statements
  • Overdraft Protection

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Girl blowing bubbles and WSECU Debit Card

Basic Checking

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

  • Write personal checks for free.
  • Free e-statements or mailed paper statements.
  • No monthly fee.

Open Today

Basic Checking

Recommended if:
You would like to keep it simple with a traditional checking account.
  • Auto Savings Feature:
  • Check Writing:
    Available for free
  • Monthly Fee:
  • Minimum Balance Requirement:
Included with account:
  • Courtesy Pay Available
  • Free paper statements
Included with all checking accounts:
  • WSECU Debit Card
  • Online Banking
  • Online Bill Pay
  • E-statements
  • Overdraft Protection

Digital Services

Mobile Banking

  • Deposit checks
  • View balance
  • Pay bills
  • Transfer funds between accounts
  • Find a branch or ATM
  • Apply for a loan
App Store
Google Play Store
mobile banking

Online Banking

  • Transfers to other member accounts
  • Transfer to accounts you have at other financial institutions
  • Customized account alerts
  • View e-statements
  • Manage and pay bills

Create My Account

online banking

Bill Pay

  • Easy setup and management of payees
  • Schedule payments through Online or Mobile Banking
  • Receive e-bills from participating payees
  • Set payment reminders
  • Schedule automatic payments

Sign up for Bill Pay

bill pay

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