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CHECKING ACCOUNTS THAT FIT YOUR INDIVIDUAL STYLE

Open an account

Free Checking Accounts With Perks Come Standard

A checking account should be win-win. Looking for convenient access? But of course. Rewards and dividends? We can help you out there, too. Checking is in our Wheelhouse.

Free Online and Mobile Banking

Access your accounts online, 24/7, 365 days a year.

Thousands of Free ATMs

You’ll have access to a large network of over 30,000 surcharge-free CO-OP ATMs nationwide.

Free e-Statements

Say goodbye to paper and access your statements securely online instead.

Debit Rewards

Earn 1 reward point for each $3 spent with your Visa Debit Card.

Earn Dividends

You can earn dividends on your checking account balance with our Inspired Checking.

Visa Debit Card

Enjoy the worldwide purchasing power of a credit card plus the convenience of an ATM card.

Let’s Find Your Best Checking

  • Best if you want:

    Best if you want:

  • Monthly service charge

    Monthly service charge

  • Free online banking, Visa Debit Card, and eStatements

    Free online banking, Visa Debit Card, and eStatements

  • Earn Debit Rewards

    Earn Debit Rewards

  • Visa Debit Card compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

    Visa Debit Card compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Bounce Guard/Overdraft protection available

    Bounce Guard/Overdraft protection available

  • Earn dividends

    Earn dividends

  • Account requirements

    Account requirements

  • Best if you want:

    Earn dividends on your balance

  • Monthly service charge

    Free with minimum monthly electronic deposit of $450 or more, enrollment in online banking and eStatements

  • Free online banking, Visa Debit Card, and eStatements

  • Earn Debit Rewards

  • Visa Debit Card compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Bounce Guard/Overdraft protection available

  • Earn dividends

  • Account requirements

    Must be enrolled for eStatements, online banking, and make an electronic deposit of at least $450 a month

Basic

  • Account Details

  • Best if you want:

    No fee with electronic deposit, convenient checking with the essentials

  • Monthly service charge

    Free with electronic deposit or enrollment in eStatements; otherwise $5.00

  • Free online banking, Visa Debit Card, and eStatements

  • Earn Debit Rewards

  • Visa Debit Card compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Bounce Guard/Overdraft protection available

  • Earn dividends

  • Account requirements

Access

  • Account Details

  • Best if you want:

    Suitable for members ages 16-22

  • Monthly service charge

    None

  • Free online banking, Visa Debit Card, and eStatements

  • Earn Debit Rewards

  • Visa Debit Card compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay

  • Bounce Guard/Overdraft protection available

  • Earn dividends

  • Account requirements

Enroll in E-Statements

Let’s face it—eStatements are safer, greener, and more convenient than receiving paper statements by mail. Switch today for free and experience the benefits:

  • Get eStatements quicker than mailed statements
  • Have access to the past three years of statements—view, print or save to your computer for offline access
  • Receive alerts when new statements are available
  • Added security—access them securely online, without risk of lost or stolen mail
  • Save trees and paper, and reduce clutter

Login to Online Banking to enroll in eStatements

Overdraft Protection

Our overdraft protection options help give you peace of mind and confidence your transactions will be paid. We offer two kinds of protection:

  • Standard Overdraft Protection: automatically transfers funds from your designated account(s) if you don’t have sufficient funds in your checking account.
  • Bounce Guard: For qualified members, we will, at our discretion, cover payment for checks, automatic withdrawals and recurring debit transactions that may overdraw your account. Fees apply.*

See below for additional disclosures for Bounce Guard.

Visa Debit Card

Enjoy the benefits of a Visa Debit Card with your Wheelhouse Checking account:

  • Easy, safe and convenient—can be used anywhere Visa is accepted
  • No annual fee
  • Compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay (consult your device manufacturer for a full list of compatible devices)
  • Provides 100% protection against unauthorized purchases**
  • Get a new/replacement card and change your PIN at any Wheelhouse branch (fees may apply)
  • Earn 1 point for every $3 spent

Debit Rewards

With our rewards program, you can earn points each time you use your Wheelhouse Debit Card. Earn 1 point for every $3 spent on signature-based transactions. Redeem your points online for hundreds of amazing different rewards, including:

  • Merchandise (e.g. appliances, electronics and jewelry)
  • Travel and experiences
  • Live concerts, theme parks and sports events
  • Gift cards
  • Cash back
  • Charitable donations

Explore our Rewards site
Log into Online Banking to view and redeem rewards

Easily order checks through Deluxe Personal Check Reorder. You can order checks online, by phone at 1-877-838-5287, or by using our mobile banking app.

Ready to open a Wheelhouse Checking Account?

Find a branch
Join online
Call us today
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Disclosures

*The Bounce Guard fee is a flat fee of $29.00 regardless of the amount the account is overdrawn and will be charged for each overdraft item presented and paid.

Bounce Guard Additional Disclosure:
We will send you a notice for each item covered by the Bounce Guard Service. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay items. For example, we may not pay overdrafts if your account is not in good standing, you are not making regular deposits, you have had too many overdrafts, or your account has been overdrawn for an extended period of time. Any negative balance resulting from the use of Bounce Guard must be satisfied within 30 days. We encourage you to properly maintain your accounts with us. You agree that we will not be held liable for either paying or refusing to pay any overdraft item.

The Bounce Guard overdraft service is a discretionary privilege offered to members and not a right of membership. Bounce Guard is not available for Access Checking Accounts. We reserve the right to discontinue this service at any time without any notice.

** 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.

You are leaving Wheelhouse Credit Union’s website. Links that may be accessed via this site are for the convenience of informational purposes only. Any products and services accessed through this link are not provided or guaranteed by Wheelhouse Credit Union. The site you are about to visit may have a privacy policy that is different than Wheelhouse Credit Union’s. Please review their privacy policy. Wheelhouse Credit Union does not endorse the content contained in these sites, nor the organizations publishing those sites, and hereby disclaims any responsibility for such content.

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