Inspired Checking

^*APY = Annual Percentage Yield. Rates effective as of 04/17/2026 and are subject to change without notice. Membership required.

¹To receive the APY of 3.00%, you must make a minimum of 20 qualifying purchase transactions using your Wheelhouse® Visa® debit card associated with an Inspired Checking account per calendar month. No minimum balance is required to earn dividends. Inspired Checking is a variable rate account. The APY may change after account opening. Fees could reduce earnings on the account.

Inspired Checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, and enrollment in eStatements. If requirements are not met and maintained, the account will be converted to a Basic Checking account, which may be subject to different terms, conditions, and restrictions.
Membership required. Federally Insured by NCUA. ©2026 Wheelhouse Credit Union

²Earn Visa® Rewards Points each time you use your Wheelhouse® Visa® Platinum Rewards credit card on qualifying non-PIN based point-of-sale (POS) transactions. Qualifying non-PIN based POS transactions include contactless payments, card swipes, and signature-based transactions. Cash advances and ATM transactions are not considered qualifying transactions. All reward points will post to your account once qualifying transactions are verified. For every verified $1.00 charged to your Wheelhouse® Visa® Platinum Rewards credit card, you will earn one reward point. Plus, earn additional points throughout the year on qualifying categories.
Log in to digital banking to view and redeem points. For a complete list of qualifying categories, visit WheelhouseCU.com/BonusRewards. Contact the Cards & Operations Department at (619) 297-4835 with questions or disputes regarding qualifying transactions.

^†We recognize that sometimes you may overdraw your checking account. In such cases, we may honor items for insufficient funds. We provide Courtesy Pay as an accommodation to members and are not obligated to do so, even if we have previously done so. You do not apply for this service. Bounce Guard has a limit of $750. Bounce Guard is not available on Access/Youth Checking Accounts. See the Credit Union’s Fee Schedule for fees associated with Bounce Guard (subject to change). To be eligible for Courtesy Pay, you must be a member in good standing and not have a negative balance with the Credit Union or with a credit reporting agency. By participating in the program, we may honor overdrafts, including: Checks; ACH debits; ATM transactions and point of sale (POS)transactions; Recurring Debit Card transactions; and one-time Debit Card transactions.
We need your affirmative consent (opt-in) to approve your overdrafts for ATM/POS and one-time Debit card transactions. You must tell us you want overdraft coverage for these transactions. Exceptions may be made at our discretion and as permitted by law.
To request overdraft coverage for ATM and one-time Debit card transactions, contact us at 619-297-4835 or write P.O. Box 719099, San Diego, CA 92171-9099. You may complete and sign the Enrollment Form provided at account opening or upon request. Return the form to any branch location or mail it to us at the above address. We will provide you with written confirmation of your affirmative consent. For full terms and conditions, see Disclosure of Account Information & Membership Agreement.
Message and data rates may apply.

⁺If there is unauthorized use of your Visa Debit Card or an unauthorized Interlink transaction, and the transaction takes place on the Visa network, then your liability will be zero ($0.00).

Visa’s Zero Liability policy does not apply to ATM transactions or other PIN/POS transactions not processed by Visa. Your liability with respect to unauthorized transactions may be greater than zero ($0.00) if we can determine that you were grossly negligent or fraudulent in the handling of your account or Card.

You will have no liability for unauthorized use of your Visa Debit Card that results from its loss or theft if you report the loss or theft to us at 619-297-4835 within two (2) business days. If your statement shows unauthorized use, your liability will be no more than $50.00 if you tell us within 60 days of statement mailing date.