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Checking Accounts

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.

With sevral products to choose from, our checking accounts are well suited to your particular lifestyle and needs. For more information, download our Personal Checking Accounts brochure.

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
    • Two boxes of custom checks per year FREE
    • FREE money orders
    • Total Identity Monitoring
    • $10,000 Accidental Death & Dismemberment insurance and $100,000 Common Carrier insurance
    • And more!

    Member Benefits Program

    To enroll, visit Member Benefit Package. Enter the Preferred Checking Member ID number and Login zip code, located on the front of your Member card. If you misplace your card, please contact our Service Center.

  • Select Checking

    If you can keep a higher balance in your checking account and would like a return on your investment, choose this account.

    • Earn dividends each day your balance exceeds $500
    • Unlimited check writing
    • No monthly or per item charges
    • $200 minimum balance—a $6 monthly fee will be charged should your balance drop below $200
      • $3 per month—Silver level Membership Value Pricing (MVP) members/households
      • FREE—Gold level MVP members/households
  • 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
  • AddsUp Checking
    • High Annual Percentage Yield will be applied to the first $15,000 and the balance above this amount will earn the Membership Savings rate
    • eDocuments, Direct Deposit of your primary source of income and 15 or more posted merchant purchases (point of sale transactions) with a WESTconsin debit card during the statement month are required (does not include ATM transactions)
    • No per item charges
    • $500 minimum balance—a $6 monthly fee will be charged should your balance drop below $500
    • Limit one AddsUp account per household and households may not have both an AddsUp and Preferred Checking account
  • 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)
  • 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.

Check out these benefits that come with WESTconsin checking accounts:

CheckingFree Debit Card

Mobile BankingFree WESTconsin Online and Mobile App

Online BankingFree Bill Pay***

CALL-24CALL-24 telephone account access

Payment Transfers6 free automatic or phone transfers from savings to checking per statement cycle

Automatic PaymentsAutomatic payment transfers

Direct DepositDirect deposit

Check ReordersConvenient check reorders

Ready ReserveReady Reserve line of credit*

Earth-Friendly Custom ChecksEarth-friendly custom checks**

All checking accounts are subject to the terms and conditions in the Truth in Savings DisclosureElectronic 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 two free boxes of our custom checks per year with our Preferred Checking Account.
***You must have a qualifying checking account

WESTconsin Credit Union Notification:

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