San Diego’s Leader in High-Yield Checking
Earn up to 3.00% APY* on your everyday Inspired Checking1 account balance by just making 20 Debit Card purchase transactions per month. Qualifying transactions can be made online, in-person, and more – an easy way to put your money to work with no extra effort.
Plus, Wheelhouse debit cards earn Debit Rewards3 on every signature-based transaction! Redeem your reward points for CASH BACK, gift cards, travel, etc. Now that’s what we call extra money in your pocket.
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Requirements |
Dividend Rate |
APY* |
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Rates effective as of 05/05/2025 *APY = Annual Percentage Yield. 1Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking requires monthly direct deposit of $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. Other restrictions, terms and conditions may apply. Membership is required. 2To receive the rate of 3.00% APY, 20 (twenty) purchase transactions using the Wheelhouse Visa® Debit Card(s) associated with the Inspired Checking account per calendar month required. See Product Details |
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Requirements Minimum of 20 Debit Card Purchase Transactions2 |
Dividend Rate 2.96% |
APY* 3.00% |
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Requirements <$9,999.99 Average Daily Balance |
Dividend Rate 0.05% |
APY* 0.05% |
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Requirements $10,000 - $74,999.99 Average Daily Balance |
Dividend Rate .25% |
APY* .25% |
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Requirements $75,000+ Average Daily Balance |
Dividend Rate 2.96% |
APY* 3.00% |
Inspired Checking Account Benefits
- Earn high-yield dividends on your balances
- No monthly service fee
- Earn reward points3 on your Visa® Debit Card
- Free eStatements
About Wheelhouse
- We have been around since 1934
- Protect your card(s) with our Card App
- Access over 30,000 surcharge-free CO-OP ATMs
and over 5,000 shared branches - Add your card(s) to any digital wallet
- Manage your accounts through our Mobile App and Digital Banking
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.
ADDED BENEFITS
Bill Pay
Easily pay your bills and schedule recurring payments from your Inspired Checking Account
through Digital Banking
Remote Deposit
Quickly deposit checks through our Mobile App
Combine Rewards
Combine your Debit Card and Credit Card Reward Points for greater redemption value
Enhanced Security
Use multi-factor authentication and integrated device security such as fingerprint and facial recognition to access your accounts
Quickly Transfer Money
Use Zelle® to transfer money to anyone you know, quickly and efficiently
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 Service
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: automatically transfers funds from your designated account(s) if you don’t have sufficient funds in your Inspired 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.4
Visa Debit Card
Enjoy the benefits of a Visa Debit Card with your Wheelhouse Inspired Checking account:
- Easy, safe and convenient—can be used anywhere Visa is accepted
- No annual fee
- Compatible with Apple Pay, Google Pay, Samsung Pay and Garmin Pay (consult your device manufacturer for a full list of compatible devices)
- Provides 100% protection against unauthorized purchases5
- 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 program3, 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 Digital Banking to view and redeem rewards
Ready to open a Wheelhouse Account?
Disclosures
3Debit 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.
4Bounce 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.
5If 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.