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Choose How You Check

Opening a checking account with WESTconsin Credit Union is quick and painless, with a number of tiers and options for tailoring your account to fit your spending habits.

WESTconsin's checking accounts are well suited to your particular lifestyle and needs. 

Make the switch to WESTconsin. We’ll make it easy! Just stop by any office location and we’ll walk you through the process of closing your old account, help you to get your funds transferred to your new account, and give you a demo of our free Online Banking and Bill Pay. Contact WESTconsin today for more information!

Preferred Checking

This account is much more than just a checking account—it’s a package of financial tools, identity theft protection and recovery resources and more.

  • Exclusive member benefits for only $7 per month, discounted to:
    • $4 per month—Silver level Membership Value Pricing (MVP) members/households
    • FREE—Gold level MVP members/households
  • No monthly or per item charges
  • Dividends earned on all balances
  • No minimum balance required
  • One box of custom checks per year FREE
  • FREE money orders
  • And more!

WESTconsin Rewards

WESTconsin’s Preferred Checking account is one of the best in the area! Our Preferred Checking comes with all the perks plus local savings and deals, increased levels of protection, and so much more.

  • Shop local, save local with WESTconsin Rewards (powered by BaZing)
  • Cell phone protection 1,2
  • ID theft aid 1,2,3
  • Roadside assistance
  • Health Savings Card

Learn more about WESTconsin Rewards included with your Preferred Checking account.

1 Subject to the terms and conditions detailed in the Guide to Benefits.
3 Identity and credit monitoring require additional activation for monitoring.

Money Market Checking

Earn competitive rates for higher balances, with access to your funds at any time.

  • No minimum balance
  • Higher dividends on higher balances (money market rate)
    • Minimum balance of $10,000 required to receive a higher dividend rate
  • Dividends compounded monthly
  • Six withdrawals or transfers per month (three by check)

Free Checking

Looking for a basic account with no minimum balance or monthly charges? This account is for you—plain and simple.

  • Unlimited check writing
  • No minimum balance required
  • No monthly or per item charges
  • One free box (80 checks) at account opening

Foundations Checking

  • $4 monthly account fee
  • Debit card use only—no checks will be issued
  • No minimum balance required
  • No per item charges

Bill Pay is not available with Foundations Checking.

The benefits are endless!


CALL-24 telephone account access


6 free automatic or phone transfers from savings to checking per statement cycle


Automatic payment transfers


Direct deposit


Convenient check reorders


Ready Reserve line of credit*


Earth-friendly custom checks**

All checking accounts are subject to the terms and conditions in the Truth in Savings Disclosure, Electronic Fund Transfer Agreement and Disclosure and Service Charges and Fee Schedule.

*A loan that automatically transfers money into your checking account to prevent overdrafts, and is available whenever you need a little extra cash. The interest rate is lower than many credit cards and you only pay when you use it. Apply online.**Our custom checks are printed and packaged with 50% recycled paper containing at least 10% post-consumer waste. Receive one free box of our custom checks per year with our Preferred Checking Account. ***You must have a qualifying checking account.

Debit Cards

WESTconsin’s debit card makes everyday purchases simple and quick!

Learn More

Order Checks

Need new checks? WESTconsin gives you the flexibility to order checks in person, by phone, or online. 

Learn More

Routing & Account Numbers

Ensure your electronic deposits/withdrawals are successful. Make sure to use the correct account number for your savings or checking account.

Learn More

Membership Value Pricing

Be rewarded for your loyalty to WESTconsin Credit Union!

Learn More

Common questions

View all FAQs
  • Do I have to be a member to open a Checking Account at WESTconsin Credit Union?

    Yes, to open a checking account at WESTconsin Credit Union you need to be a member. To become a member of WESTconsin Credit Union, you will be required to open and maintain a Membership Savings Account. A Membership Savings Account can be opened for you with a $5 minimum balance.

  • What do I need to provide to open a Checking Account at WESTconsin Credit Union?

    We will ask for your name, address, date of birth, and other information, such as a taxpayer identification number, that will allow us to identify you. We may also ask to see your valid driver’s license and/or other identifying documents, due to a federal requirement that all financial institutions verify and record information that identifies each person who opens an account. 

  • What other questions will be asked to open a Checking Account at WESTconsin Credit Union?

    When you open a checking account, we will ask questions to better understand you as a member and to understand the purpose and type of activity to be expected on your account. To comply with updated Customer Due Diligence (CDD) rules, we may ask additional questions regarding your intended purpose for your checking account.

  • When will I receive a debit card for my Checking Account?

    Free Instant-issue debit cards are available at all WESTconsin offices. You will leave with your debit card in hand the day you open your account.

  • Will I be able to set up Automatic Payments and Recurring Transfers in and out of my Checking Account?

    Yes, you can manage automatic payments and recurring transfers through WESTconsin Online, at your local office, or by calling our Service Center. *Subject to checking account type.

  • Will I be able to set up Direct Deposits into my Checking Account?

    Yes, you can access your account information for direct deposit on WESTconsin Online by printing a direct deposit checking form, by inquiring at your local office, or by calling our Service Center. *Subject to checking account type.

  • Can I order checks with my Checking Account?

    Yes, WESTconsin Credit Union makes ordering, and reordering, checks easy. You will have the option to order checks during account opening, or later at your local office, or by calling our Service Center. Reordering your checks can also be done online through WESTconsin Online.
    *Subject to checking account type.

  • Can I open an account for my child?

    WESTconsin Credit Union offers youth savings accounts to those under 18 years of age that are structured to encourage and reward savings. The minor may also open a checking account with a parent/guardian on the account. *Subject to vary dependent on age of minor and credit history of the parent/guardian.

  • What features does my Legacy Checking Account have?

    Although we no longer offer these accounts WESTconsin Credit Union continues to service the following Legacy Checking Accounts:

    Adds Up Checking

     Financial Advantages:

    • Unlimited Check Clearing
    • $500 Minimum Balance Requirement to avoid monthly service fee
    • Overdraft Protection Services available
    • Higher Annual Percentage Yield (APY) applies on first $15,000 if all requirements are satisfied
    • Balances above $15,000 will earn Membership Savings APY if all requirements are satisfied
    • All balances will earn Preferred Checking APY if requirements are not satisfied


    • Receive monthly direct deposit from a primary source of income
    • Complete 15 or more posted merchant purchase (point of sale transactions), using a debit card during each statement month. ATM withdrawals are not included
    • Receive monthly statements as an eStatement. Member must sign up and register for eStatements through WESTconsin Online
    • Limit one AddsUp checking account per household. A household cannot have both an AddsUp and Preferred Checking

    HELOC Checking Account

    • Dividends on all balances
    • No monthly service fee or per item chare
    • No minimum balance requirements
    • HELOC Loan is linked to the HELOC Checking Account
    • Access to HELOC Loan and HELOC Checking Account through WESTconsin Online and CALL-24

    Select Checking Account

    • Dividends on all daily balances of $500 and above
    • Unlimited Check Clearing
    • $200 Minimum Balance Requirement to avoid monthly service fee
    • Overdraft Protection Services available

    Volunteer Select Checking Account

    • Dividends on all balances
    • Unlimited Check Clearing
    • No minimum balance requirement
    • No charge for Money Orders
    Overdraft Protection Services available

WESTconsin Credit Union Notification:

You are now leaving the WESTconsin Credit Union website and going to a website not operated by WESTconsin. WESTconsin is not responsible for the content of this site and the privacy and security policies may differ from those practiced by WESTconsin. The third party website may provide less security than WESTconsin's website. WESTconsin does not represent the third party or you if you enter into a transaction. WESTconsin is not endorsing or guaranteeing the products, information or recommendations provided by linked sites. WESTconsin is not liable for any failure or services advertised on third party sites.


The WESTconsin Investment Advisors program is offered through CUNA Brokerage Services, Inc.*, a broker/dealer focused on serving credit union members. CUNA Brokerage Services, Inc. is an affiliate of CUNA Mutual Group. For more information about CUNA Brokerage Services, Inc., please visit

Privacy and security policies may differ between WESTconsin Credit Union and CUNA Mutual Group. You should understand that if you conduct business here, you are conducting business directly with CUNA Mutual Group.