Wellby Financial

Our Pasadena North branch is Drive Thru only – the building is temporarily closed.
For branch needs, please visit our Park Place branch or find locations near you by visiting our Location Center.

Checking Accounts

Manage your money through the day-to-day and the once-in-a-lifetime.

Illustration of a man using his Wellby debit card at the grocery store
Illustration of a Wellby debit card and checkbook

Your Money When You Need It.

Our online checking accounts are designed to fit your lifestyle throughout your financial journey.

  • On your terms: Free direct deposit online or with the Wellby Mobile App.
  • Safe and secure: 24/7 fraud monitoring with account security alerts.
  • Flexible: $25 initial deposit + $0 minimum balance requirement.
  • Accessible: Free ATM services through Wellby ATMs and 55,000+ fee-free ATMs across the country with access to more than 5,000 credit union service centers.

We Offer a Smarter Way to Bank

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Easy Money Transfers

Transfer funds between your accounts or send money to friends quickly and without the hassle.

 

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Save Time and Money

Free account and security alerts, online bill pay, and mobile check deposits, plus fee-free overdraft protection options.
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Simple Spending

Visadebit cards and mobile wallets make your day-to-day transactions easier and faster than ever before.

 

We Go Where You Go

Manage your finances and mobile wallet right from your phone with our mobile app.

Convenient Banking

Digital banking tools and 24/7-member chat support give you access to your funds when you need them.

Peace of Mind

Your security is our top priority: free monitoring, alerts, and fraud protection on every personal checking account.

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Illustration of a wallet with a Wellby debit card and cash coming out of the top

Wellby Spending

Our free checking account option fits your lifestyle, with a wide selection of no-cost features and services.

Wellby Secure Spending

Our Secure Spending account goes the extra mile with opportunities to earn dividends on your balance and expanded ID Theft Protection.

Illustration of a Wellby debit card with a shield and lock icon above it
Illustration of a wallet with a Wellby debit card showing from the top

Wellby Spending Plus

Earn higher dividend rates on larger balances with dividends paid monthly alongside expanded identity theft protection.

Wellby Youth Checking

The perfect starter accounts for kids and teens ages 4-17 with a joint account holder age 18 or older that is a current Wellby member.

Money being saved in a small jar
Wellby debit cards in two variations of color

Wellby Debit Cards

Contactless Visa debit cards, so paying at checkout can be as simple as a wave of your card.

Overdraft Services

We offer several ways to help prevent overdraft fees and declined transactions based on your account selection.

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Wellby Spending

Wellby Secure Spending

Wellby Spending Plus

Wellby Achievement Card

Wellby Early Start Checking

ACCOUNT TYPE

Wellby Spending

BalancesDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn APYMinimum Balance to Avoid Service FeeDividends CompoundedDividend Credited
$0.01+0.03%0.03%$25.00$0.01$0.00DailyMonthly

Compare Checking Accounts

ProductWellby SpendingWellby Spending PlusWellby Secure SpendingWellby Achievement CardWellby Early Start Checking
Initial Deposit$25$25$25$10$10
Monthly Fee$0$10/Free*$6/Free$0$0
Debit Card
Checks
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection & Mobile Phone Coverage*
Disclosure
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Let's Get Started

Our online checking account options are designed to fit your goals. Discover the option that works for you.

Checking Accounts FAQs

Learn more about our checking accounts and get ready to take advantage of all the great member benefits Wellby has to offer.

Learn More

Common Questions

How do I apply for a Wellby spending account?
Are there any monthly service fees for a Wellby spending account?
What is Wellby’s routing number?