Join Us on April 19, 2022, for Our Annual Meeting & Board of Directors Elections

Wellby Spending

A checking account that fits your lifestyle, with none of the fees. Just how it should be.

A Checking Account Without All the Red Tape

Your bank account should make life easier, not slow you down.

  • Free Visa contactless credit card so you can access your funds on the go, wherever you are.
  • Free access to more than 55,000 surcharge-free ATMs.
  • Free access to more than 5,000 credit union centers across the country.
  • Online banking, mobile app, and telebanking services at your fingertips.

We Offer a Personalized Banking Experience

Faster Checkout

Connect your checking account’s debit card directly to your Wellby mobile wallet to check out faster online and in stores.

Budget Management

Stay on track with our Budget Well service and other free tools for managing your finances.

Your Money, Faster

Free direct deposit, giving you a head start and quicker access to your funds. 

No Fees

Free as free can be - $0 monthly service fees and no direct deposit  requirement.

On-The-Go Banking

Deposit checks, transfer funds, and pay your bills from our  easy-to-use mobile banking app.

Goodbye Overdraft Fees

Accidents happen, and we have your back with Overdraft Ease™,  coverage starting at $10*.


Person-to-Person Transfer

Send money to your friends, even those outside of Wellby, directly from your online checking account or the Wellby mobile app.

Mobile Payments

Leave your wallet at home and pay with a swipe of your mobile device by connecting your digital wallet to your account through the Wellby mobile app.

Fight Back Against Fraud

$0 Liability Protection (Visa) for unauthorized debit card purchases, complimentary ID theft recovery services, 24/7 monitoring, and free account alerts.

Identity Theft Recovery Services

All Wellby members with a deposit account receive complimentary fully managed identity theft recovery services. If you suspect identity fraud, a professional is standing by to help.

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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
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection & Mobile Phone Coverage*


Wellby Spending

BalancesDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn APYMinimum Balance to Avoid Service FeeDividends CompoundedDividend Credited









Ready to Become A Member?

You’re just a few clicks away from starting your new financial journey. Applying is quick and easy. Let’s reach your dreams together.

Wellby Spending FAQs

Have a question? Here’s what you need to know about the Wellby Spending account and how it can work for you.

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Common Questions

How do I apply for a Wellby Spending account?
Does the Wellby Spending account come with any fees?
Can I manage my Wellby Spending account online?
Do I need to enroll to take advantage of the identity theft recovery services?