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Checking Accounts

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Checking accounts for everyone in Washington

Simplify your checking experience with an account that fits your life. Enjoy cash-back rewards, early direct deposits, automatic savings and other perks with a traditional hassle-free account.

Cash Back Checking
Earn cash back automatically.

Balanced Checking
Stay within your balance without unexpected fees.

Basic Checking
Hassle-free with no monthly fees.

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Here's what you'll need
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, restaurant 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.
  • Get your paycheck up to two days early with Early Direct Deposit.*
  • Send money to anyone with free PayItNow P2P Transfer.†
  • Write personal checks for $1 per check.
  • Free e-statements; mailed paper statements available for $3/month.
  • No monthly fee.

Open todayCompare accounts

Recommended if:
You use your debit card for most purchases and love getting cash-back rewards.
Debit Card
Cash Back Checking Details
Debit Card
  • 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, restaurant 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 & Bill Pay
  • Overdraft Protection
  • E-statements
  • PayItNow P2P Transfer†
  • Early Direct Deposit*

See Rate and Fee Schedule for complete details.

*See our Courtesy Pay Policy for full details.

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 overdraftFees incurred due to withdrawing more funds than currently available in an account, but the financial institution allows the transaction to clear. or non-sufficient funds (NSF) feesFees incurred due to attempting to withdraw more funds than currently available in an account..
  • Get your paycheck up to two days early with Early Direct Deposit.*
  • Send money to anyone with free PayItNow P2P Transfer.†
  • No personal checks.
  • Free e-statements. Mailed paper statements not available.
  • Monthly account fee is $5.

Open todayCompare accounts

Recommended if:
You prefer an all-digital account that encourages financial stability through automatic savings.
Debit Card
Balanced Checking Details
Debit Card
  • 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 feesFees incurred due to withdrawing more funds than currently available in an account, but the financial institution allows the transaction to clear.
  • No non-sufficient funds (NSF) fees Fees incurred due to attempting to withdraw more funds than currently available in an account.
  • Round-up automatically transferred to savings
Included with all checking accounts:
  • WSECU Debit Card
  • Online Banking & Bill Pay
  • Overdraft Protection
  • E-statements
  • PayItNow P2P Transfer†
  • Early Direct Deposit*
Girl blowing bubbles and WSECU Debit Card

Basic Checking

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

  • Write personal checks for free.
  • Get your paycheck up to two days early with Early Direct Deposit.*
  • Send money to anyone with free PayItNow P2P Transfer†
  • Free e-statements or mailed paper statements.
  • No monthly fee.

Open todayCompare accounts

Recommended if:
You would like to keep it simple with a traditional checking account.
Debit Card
Basic Checking Details
Debit Card
  • 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 & Bill Pay
  • Overdraft Protection
  • E-statements
  • PayItNow P2P Transfer†
  • Early Direct Deposit*

** See our Courtesy Pay Policy for full details.

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.
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Scan this code to download our mobile app.

Scan this QR Code with your phone to download the WSECU mobile app

Digital Services

  • 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.
App StoreGoogle Play Store
  • 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

  • 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

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Follow the Munny Bunny to Youth Savings

Youth Accounts
Credit Cards
Auto Loans
Personal Loan and Line of Credit

Resources

Fraud monitoring services for your WSECU debit and credit cards

Online Banking Resources

Card Disputes - FAQs

*  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 at this time.

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

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