High-Yield Checking Account


High Interest Checking Account

San Diego’s leader in high-yield checking accounts just got better. You get the debit card rewards, the lower fees, and the personal service of a credit union. Plus, you can make more with your money by earning interest at a higher rate when compared to most other banks and credit unions.

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Inspired Checking Account

Average Daily Balance

Dividend Rate


Rates effective as of January 27, 2023

*APY = Annual Percentage Yield. Inspired Checking is a variable rate account and rate and yield are subject to change without notice. Inspired Checking is free with required monthly electronic deposits totaling $450 or more, an active online banking registration and eStatements within 90 days of account opening. Electronic deposits are defined as Automatic Clearing House (ACH) deposits. If requirements are not met and maintained, fees could reduce earnings and account will convert to a Basic Checking Account.

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Average Daily Balance


Dividend Rate




Average Daily Balance

$10,000 - $74,999.99

Dividend Rate




Average Daily Balance


Dividend Rate





Get $9.99 – $25 back

on your next purchase at select Sam’s Clubs, Dropbox, Grubhub, Kansas City Steak and more in-store and online retailers.

Earn 3x points1 on retail-related transactions
See qualifying categories
Get 5x points per $1 at

some Blaze Pizza locations, Luna Grill and See’s Candies; as well as at R&B Tea, Marc Jacobs, U.S. Polo Assn & more retail stores.

See offer details and more bonus reward opportunities here. 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.

Inspired Checking Account Benefits

  • Earn high-yield dividends on on your balances
  • No monthly service fee**
  • Earn reward points 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


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

24-Hour Automated Telephone Banking

Bank by phone 24 hours a day, 7 days a week at

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

Log in to Digital 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 Inspired 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.x


Visa Debit Card

Debit Card MediumEnjoy 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, Fitbit Pay and Garmin Pay (consult your device manufacturer for a full list of compatible devices)
  • Provides 100% protection against unauthorized purchasesz
  • 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

Ready to open a Wheelhouse Account?

Join Online
Open an Account


Please choose one of the following options:

Reach us by phone

Phone Branch Hours

Monday - Friday: 8:00am to 6:00pm Saturday: 9:00am to 2:00pm


For further assistance, please email us. Do not include account information.
Call Us
Visit Us


APY = Annual Percentage Yield. Inspired 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. Electronic deposits are defined as ACH or Automatic Clearing House deposits. If requirements are not met and maintained, account will be converted to a Basic Checking Account.

Membership is required.

Look for the CO-OP Network logo.

xThe 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.

z 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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