Swipe Your Way to 3.00% APY*

*APY = Annual Percentage Yield. Inspired Checking is a variable rate account and rate and yield are subject to change without notice.

¹ To receive the rate of 3.00% APY, you must make a minimum of 20 (twenty) qualifying purchase transactions using your Wheelhouse Visa® Debit Card associated with an Inspired Checking account per calendar month and/or maintain an average daily balance of $75,000 or higher. No minimum balance required to earn dividends. Inspired Checking is a variable rate account. Fees could reduce earnings on the account. Inspired Checking requires an initial deposit of $10, monthly direct deposits totaling $450 or more, an active online banking registration, and eStatements within 90 days of account opening. If requirements are not met and maintained, account will be converted to a Basic Checking Account which may be subject to different terms, conditions, and restrictions.

³ The Bounce Guard fee is a flat fee of $15.00 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.

⁴ 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).

⁵ With our rewards program, you can earn points each time you use your Wheelhouse Visa® Debit Card. Earn one (1) point for every three dollars ($3.00) charged to the cardholder’s enrolled debit card on signature-based transactions. Log in to Digital Banking to view and redeem points.

⁶ Double (2x) reward points are earned on qualifying utility bills related transactions made on Visa Platinum Rewards Credit Cards. Promotion is subject to change at any time. Bonus points will be posted to your account following the verification of qualifying transactions. For a complete list of qualifying categories, visit WheelhouseCU.com/bonusrewards. 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.

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.