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Our checking accounts offer choices to help you manage your finances without taking a bite out of them.

  • Money Mover Checking — Enjoy flexibility with no minimum balance requirement.
  • Money Mover II Checking — Open a certificate account with a minimum $2,000 deposit and a term of a year or more and benefit from no minimum balance requirements. You’ll also receive free WSECU image checks1.
  • Interest Checking — Maintain a $2,000 minimum average daily balance and earn dividends2.
  • Prime Times Available to members 50 years of age or older, this account provides free3, dividend-earning checking with a minimum $2,000 deposit in any WSECU certificate account of 12 months or longer. Other benefits are free WSECU image checks1 and fee-free money orders.

All of our checking accounts offer:

Overdraft Protection

  • Protect yourself from costly fees when checks are returned for non-sufficient funds (NSF).
  • Options include automatic transfers from your savings account, WSECU Visa® credit card and your WSECU personal line of credit.
  • Certain fees may apply5.

Overdraft Privilege6

  • Keep your good credit intact.
  • Available for most checking accounts.
  • Automatically covers checks, in-person withdrawals, returned deposit items, electronic withdrawals and recurring debit card transactions.
  • You can choose to have coverage on ATM and everyday debit card transactions.
  • Fees apply5.

Ready to open a checking account? If you’re a member, you can call us at 800.562.0999 or visit your nearest WSECU branch.

Not yet a member? Join online today! You can also visit any WSECU branch.

1One box per order.
2
There is a $10 monthly fee if the average daily balance falls below the $2,000 minimum required.
3
No monthly, maintenance or per-transaction fees.
4
See Rewards Terms and Conditions at wsecu.org
5
Refer to the current Rate and Fee Schedule.
6Checking accounts must be in good standing.  Good standing will include, but is not limited to the following:  1) How long your account has been open with us, 2) The number and amount of deposits to your account received over the last 30 days and 3) You are not in default on any loan or other obligation to us.  ATM and everyday debit transactions require affirmative opt in prior to coverage of these transactions through ODP. Payment of any overdraft will continue at the discretion of the credit union. The account must be brought positive every 35 days. Your account will be assessed the Credit Union's usual non-sufficient funds fee for each item paid. Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from you available overdraft privilege limit.  Checks are cleared against your account from smallest dollar amount to largest dollar amount each business day. Electronic transactions clearing through the Automated Clearinghouse are processed on the effective date of the file received from the Federal Reserve. Each file is processed posting credit (deposit) transactions first and then debit (withdrawal) transactions. WSECU may receive and process multiple files on each business day. ATM and one-time or re-occurring debit transactions are posted in the order in which we receive them. The order in which transactions are received and processed can affect the total amount of overdraft fees that you incur. We will not pay an overdraft if: 1) Your ODP limit has been reached or 2) Your ODP limit has been suspended or revoked. There is no limit on the total fees WSECU can charge for overdrawing your account up to your established Overdraft Privilege limit. Representative Payee accounts, trust accounts, organizational accounts, Estate accounts and minor accounts are excluded from this service. Certain other accounts may not be eligible for ODP.


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