Inspired Plus Checking
Earn up to 3.00% APY* and save money on the things you’re already paying for with an Inspired Plus Checking account.
Up to 3.00% APY*
No Monthly Fees
Debit Rewards1
Cell Phone Protection
High-yield checking is in our Wheelhouse
Unlock up to an impressive 3.00% APY on your daily Inspired Plus Checking account balance, as well as a number of money-saving and protection features to make your life easier.
Protections and money-saving perks included.
On qualifying balances.
Points on everyday spend.
Help when you’re stranded.
Discounts on care.
Track your score.
Requirements & Rates
Start Earning Rewards Points
2x Points on Select Transactions
Earn double points on featured categories and partner merchants.
5x Points per $1 Spent
Rack up points faster on qualifying everyday debit purchases.
Earn Cash Back
Redeem accumulated points for statement cash back anytime.
Other Checking Accounts
Disclosures
*APY = Annual Percentage Yield. Rates effective as of 04/17/2026 and are subject to change without notice. Membership required.
*To receive the APY of 3.00%, you must make a minimum of 20 qualifying purchase transactions using your Wheelhouse® Visa® debit card associated with an Inspired Plus checking account per calendar month. No minimum balance is required to earn dividends. Inspired Plus checking is a variable rate account. The APY may change after account opening. Fees could reduce earnings on the account.
Inspired Plus checking requires the following within 90 days of account opening: initial minimum deposit of $10, at least $450 in recurring monthly direct deposits, active digital banking registration, eStatements enrollment, and a $9 monthly fee. If requirements are not met and maintained, the account will be converted to a Basic checking account, which may be subject to different terms and conditions. Access to Perks by Wheelhouse® will also be removed.
Membership required. Federally Insured by NCUA. ©2026 Wheelhouse Credit Union
1Earn Visa® Rewards Points each time you use your Wheelhouse® Visa® Platinum Rewards credit card on qualifying non-PIN based point-of-sale (POS) transactions. Qualifying non-PIN based POS transactions include 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 once qualifying transactions are verified. For every verified $1.00 charged to your Wheelhouse® Visa® Platinum Rewards credit card, you will earn one reward point. Plus, earn additional points throughout the year on qualifying categories.
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 questions or disputes regarding qualifying transactions.