Inspired Plus Checking

An Account That
PAYS & SAVES

Earn up to 3.00% APY* and save money on the things you’re already paying for with an Inspired Plus Checking1 account

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High-Yield Checking loaded with protection and money-saving perks.

Phone with inspiried plus benefits on screen

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.

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  • Do it all with 24/7 Digital Banking

    Pay bills, deposit checks, send money, and manage your digital wallet all in the Wheelhouse app.

  • Stress-Free Courtesy Pay Available

    Automatic transfer of funds from your designated account(s) if you don’t have sufficient funds in your Inspired Plus Checking Account.

  • Security You Can Count On

    Use multi-factor authentication and integrated device security such as fingerprint and facial recognition to access your accounts

  • Send and receive money – no extra app needed

    Use Zelle® for a fast, safe, and easy way to pay your friends and family.

Protections and money-saving perks included with Inspired Plus Checking

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Earn up to 3.00%APY*1

Earn as high as 3.00% APY* on your checking account balance by just making 20 Debit Card purchase transactions per month online or in person.

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Debit Rewards2

Earn 1 (one) reward point for each $3 (three dollars) spent with your Wheelhouse® Visa® Debit Card

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Cell Phone Protection3,4

Protection for individuals and their family's phones.

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ID Theft Assistance3,4,5

Recovery, restoration and protection when ID theft happens.

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Roadside Assistance

24/7 roadside assistance anywhere in the US.

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Bill Negotiation5

BillShark® trained negotiators and subscription tracking services unclutter legacy and expensive subscriptions.

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Health Savings

Discounts on prescriptions, eye care and hearing aids at thousands of locations.

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Inspired Fuel6

Save money when you fill up, powering debit card usage, brand loyalty, and mobile engagement.

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Credit Monitoring

Credit/Identity Monitoring and Credit Score, powered by Experian's best of class tools.

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Accidental Death Insurance3,4

Peace of mind in time of need. Immediate coverage when account requirements are met and maintained.

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Buyer's Protection3,4

Extended warranties on purchases up to $2,500 and up to double product warranties.

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Local Deals and Discounts

Over 400,000 exclusive deals available from local and national stores.

How does your Bank Compare?

It's time to unlock the full potential of your money. Compare the cost of banking somewhere else.

Rates effective as of 05/21/2024 and are subject to change without. Sources include wellsfargo.com, chase.com, ally.com, capitalone.com, bankofamerica.com, citi.com

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Start Earning Reward Points.7

When it comes to rewards, we do them right - with NO annual fee. Combine your debit and credit card rewards points to redeem for travel, merchandise, cash, and more!

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  • 2x icon
    2x points on Select Transactions

    Travel: Airlines, Car Rentals, Hotels, Cruise Lines and more (June - August)
    Retail: Telephone, Cable and other pay television, Electric, Gas and Water (October - December)

  • 5x icon
    Get 5x points per $1 Spent

    Earn bonus points from national, regional and local Restaurants, and Retailers.

  • cash icon
    Earn Cash Back

    Get $9.99 – $25 back on your next purchase at select Sam’s Clubs, Dropbox, Grubhub, and more in-store and online retailers.

No minimums,
no worries.

Get your account up and running in minutes.

  • 1
    Tell us about yourself.
    Answer a few quick questions to get you started.
  • 2
    Add money to your account.
    As soon as you deposit or transfer funds you’ll earn interest. No minimum deposit required.
  • 3
    Enjoy our streamlined experience.
    We take pride in putting our Members first. We have all the resources and experts you need to help you meet your financial goals.

Wheelhouse® is Committed To Giving Back

Our team is actively involved in the community throughout the year, and we’re proud to support a wide variety of organizations and efforts that have a positive impact on our beautiful City.

Make A Wish Foundation logo San Diego Automotive logo I love a clean san diego logo American Cancer Society logo Rady Childrens Hospital logo Toys for Tots logo San Diego Police Foundation logo Arbor Day foundation logo

Frequently Asked Questions

  • Q: Does Inspired Checking accounts have fees?

    No. Wheelhouse account holders don’t pay any overdraft fees, minimum balance fees, monthly service fees, or ATM fees.

  • Q: What is the APY on Wheelhouse Inspired Checking account?

    Wheelhouse Inspired Checking account holders can currently earn up to 3.00% APY* on their checking balance, which is 30x the national average checking rate.

  • Q: How do I withdraw money from my Wheelhouse checking account?

    You can use any one of the 30,000+ CoOp ATMs to withdraw money from your Wheelhouse checking account, fee-free. You can also visit any of our four conveniently located branches in San Diego County, or access over 5,600 Shared Branch locations throughout the United States.

Ready to open a Wheelhouse Account?

Join Online

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Disclosures

** APY = Annual Percentage Yield. Rates are effective as of 05/17/2024 and are subject to change without notice.

1 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 and/or maintain an average daily balance of $75,000 or higher. No minimum balance is required to earn dividends. Inspired Plus Checking is a variable rate account. The APY may change after account opening. APY is accurate as of the last dividend declaration date. Fees could reduce earnings on the account. Inspired Plus Checking requires an initial minimum deposit of $10, monthly direct deposits totaling $450 or more, an active digital banking registration, and eStatements within 90 days of account opening, plus a monthly fee of $9 (nine dollars). If requirements are not met and maintained, the account will be converted to a Basic Checking Account which may be subject to different terms, conditions, and restrictions and access to BaZing® will be removed.

2 Earn Debit Reward points each time you use your Wheelhouse 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.

3 Subject to the terms and conditions detailed in the Guide to Benefits.

4 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

5 Billshark®, identity monitoring, and credit monitoring each require additional activation to begin.

6 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing® Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing® Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing® Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell® and/or limits placed on your payment card by your financial institution, each of which may be lower. Refer to the BaZing® Fuel Terms and Conditions for full disclosures. BaZing® Fuel offer may be changed at any time and without notice.

7 Rewards Points are earned each time you use your Wheelhouse Visa® Debit Card and/or Visa® Platinum Rewards Credit 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. Earn one (1) reward point for every qualified dollar ($1) charged to the cardholder’s enrolled Wheelhouse Visa® Platinum Rewards Credit Card and (1) reward point for every qualified three dollars ($3.00) spent using the cardholder’s enrolled Wheelhouse Visa® Debit Card. 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/BonusRewardsBonus Rewards. Contact the Cards & Operations Department at (619) 297-4835 with disputes regarding qualifying transactions.

Other restrictions, terms, and conditions may apply. Membership is required.

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