Checking Accounts

Basic Plus Checking

Combine a no-hassle checking account with Debit Rewards and access to our Wheelhouse Visa® Debit Card — no monthly fee^* when you meet simple requirements.

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Free Digital Banking

No Monthly Fees

Debit Rewards

Free Debit Card

Simple checking with a few extra benefits.

Basic Plus Checking combines a straightforward no-fee checking account with Debit Rewards on qualifying transactions — a step up from Basic with no added complexity.

Money-saving and protective benefits.

Connect to Apple Pay, Google Pay, Samsung Pay, and Garmin Pay™

No monthly fee when you sign up for eStatements or direct deposit

Debit Rewards¹

Open an Account

Protections and money-saving perks included.

Earn up to 3.00% APY²

On qualifying balances.

Debit Rewards

Points on everyday spend.

Cell Phone Protection

Coverage for your device.

ID Theft Assistance

Recovery support included.

Roadside Assistance

Help when you’re stranded.

Bill Negotiation

Lower your monthly bills.

Health Savings

Discounts on care.

Credit Monitoring

Track your score.

Requirements & Rates

Requirements

Rates

Monthly fee

Minimum balance

None

APY

N/A

Other Checking Accounts

Inspired

High-yield checking

Inspired Plus

The Account that Pays AND Saves

Basic Checking

Straightforward banking with free option

Access Checking

Perfect for Members 13–25

^*No monthly fee with an initial minimum deposit of $25 and eStatements or direct deposit enrollment within 90 days of account opening, plus a $9 monthly fee to unlock the same perks as Inspired Plus.
Other terms and conditions may apply.
Membership required. Federally Insured by NCUA. ©2026 Wheelhouse Credit Union

¹Earn 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.

²APY = Annual Percentage Yield. Rates effective as of 04/17/2026 and are subject to change without notice. Membership required.