Earn Dividends on Your
Account Balance
with an Inspired Checking Account
Learn More
Checking Accounts With Perks Come Standard
Our Inspired Checking Account is the local leader in offering dividends as high as 3.00% APY*! Plus, all Wheelhouse checking accounts come with Debit Rewards, earning points you can redeem for cash back and more.
Secure 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 eStatements
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 as high as 3.00% APY* 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.
DEBIT REWARDS
Get Up to $50 Back
on your next purchase at select Arlo products, Costco and more in-store and online retailers.
See qualifying categories
Get 5x points per $1 at
some Denny’s locations, Long Island Mike’s Pizza, Filippi’s Pizza Grotto and more retail stores.
Click on VIEW SAMPLE REWARDS. Go to EARN MORE > AMPRE. Search for rewards by Category, Key Words or Zip Code.
Please note: Participating merchants can change, so search often.
Enroll in eStatements
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
Overdraft Services
Our overdraft service options help give you peace of mind and confidence your transactions will be paid. We offer two kinds of protection:
- Overdraft by Transfer: At our discretion, we may authorize funds to be transferred from your designated account(s) if you don’t have sufficient funds in your checking account.
- Bounce Guard Program: 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.2
Courtesy Pay Authorization Form
See below for additional disclosures for Bounce Guard Program.
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 purchases3
- 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 Program
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 in to Digital Banking to view and redeem rewards
Easily order checks through Deluxe Personal Check Reorder. You can order checks online, by phone at 619-297-4835, or by using our mobile banking app.
You can deposit checks at a deposit-taking CO-OP® ATM, Wheelhouse Branch or remotely through the Mobile App. Be sure to endorse the check before depositing. To do so, turn the check over and sign your name on the back in the designated space.
Ready to open a Wheelhouse Checking Account?
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Disclosures
*APY = Annual Percentage Yield
¹Debit Rewards Points are earned each time you use your Wheelhouse Credit Union Visa® Debit Card on qualifying Non-PIN based point-of-sale (POS) transactions. Qualifying Non-PIN based POS transactions include: debit transactions, 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 upon verification of qualifying transactions. For every qualified three dollars ($3.00) charged to the cardholder’s enrolled debit card, you will earn one (1) reward point. 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 disputes regarding qualifying transactions.
Rates and terms are subject to change without notice. All loans are subject to credit approval. The APR will vary with the market based on the Prime Rate. Contact Cards & Operations at (619) 297-4835 with disputes regarding qualifying transactions. Membership is required.
2Bounce Guard Program
We recognize that sometimes you may overdraw your checking account. In such cases we may decide to honor items for which there are insufficient funds. This is our Bounce Guard program. We provide the Bounce Guard program as an accommodation to you and are not obligated to do so, even if we have done so in the past. 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).
Qualification
To be eligible for the Bounce Guard Program, you must be a member in good standing and not have a negative record with a credit reporting agency.
Description of Service
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
Unless we currently have your affirmative consent (opt-in) on file, we will not approve your overdrafts for ATM/POS and one-time Debit card transactions. You must tell us you want overdraft coverage for these transactions. To request overdraft coverage for ATM and one-time Debit card transactions, contact us at 619.297.4835 or write to us at P.O. Box 719099, San Diego, CA 92171-9099, or complete and sign the Enrollment Form provided to you at account opening or upon request. Return the form to any branch location or mail it to us at the address shown above. We will provide you with written confirmation of your affirmative consent.
When an overdraft is covered, the account will be taken negative by the dollar amount of the transaction plus the amount of the Bounce Guard fee stated on the Fee Schedule. If we honor multiple overdrafts, we may honor them in any order in our sole discretion or return any such items. The Bounce Guard overdraft service is available to qualified members maintaining a Basic Checking Account, an Inspired Checking Account, a Dividend Checking Account, or a Rewards Checking Account.
When we honor overdraft items, you must deposit sufficient funds to cover the overdraft(s) and any applicable fees immediately, but in no case more than thirty (30) days from the date of any notice sent to you. If you fail to cover the total overdraft amount within thirty (30) days, we may pursue all collection options available to us. We may, but are not obligated to, transfer funds from your other accounts with us to cover the overdraft.
For all terms and conditions, see our Disclosure of Account Information & Membership Agreement.
3If 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.