Free, High-Yield Checking with Premium Perks

*APY = Annual Percentage Yield. APY is accurate as of 1/1/2026. The APY is a percentage yield that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividend rates and APY for the Secure Spending and Savings Plus account are variable and can change at any time. The NCUA insures individual accounts up to $250,000.00.

¹Must be at least 18 years of age to open a Wellby Secure Spending (checking) account. The Wellby Secure Spending account requires a minimum opening deposit of $100.00 and has no minimum balance requirements. The highest APY offered is 4.50% APY on account balances up to $50,000.00. Any portion of account balances exceeding $50,000.00 will earn the lowest APY offered.

To qualify for the highest APY, you must complete thirty (30) combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00 or more that post during the applicable qualification period. A transaction is considered a POS transaction when you use your debit or credit card online, or physically at a POS register via tap, swipe, or insert. The qualification period is effective from the first day through the last day of the following calendar month and is recalculated monthly based on the prior month’s qualifying transactions. If requirements are unmet, account balances will earn the lowest APY offered. The following earnings example is for illustrative purposes only. A member maintaining a balance of at least $50,000.00 in a Wellby Secure Spending account can earn approximately $2,251.00 annually, based on an APY of 4.50%. APY is accurate as of 10/1/2024. Other account fees may apply. See the Wellby Rates and Fee Schedule in the Truth in Savings Disclosure for details.

²Early Payday gives you access to your eligible direct deposits up to two (2) business days before the scheduled payment date to your personal account. Early availability is not guaranteed and may vary from deposit to deposit, which depends on when we receive the payor’s instructions and other limitations such as fraud screening. Eligible direct deposits include your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH). Other deposits or credits such as deposits of funds from person-to-person payment services (i.e., Cash App, Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday. 

³You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness. 

⁴Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students covered. 

**Registration/activation required

⁵Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and insurance documents can be accessed through the Wellby Mobile app or online banking. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate. 

⁶Overdraft Protection Options: Wellby offers our members three options within our Overdraft Services Program to help pay overdrafts when they occur and prevent the decline and return of certain transactions: Wellby Overdraft Protection, Wellby Overdraft Steward, and Wellby Overdraft Steward with Debit Card Coverage. 

Overdraft Protection is an optional service that allows you to link a Wellby savings account or a line of credit as a backup in case accidental overdrafts occur. When an overdraft occurs on your checking account, the exact amount needed to prevent the overdraft is transferred from your linked account with no additional transfer fee, ensuring enough funds are available. There is no charge for this service transfer. If the designated backup account does not have sufficient available balance to cover the full overdraft amount, and you are not opted into other overdraft services programs, Wellby may returns the transaction, and assess an Insufficient Funds (NSF) fee to your checking account as detailed in the Wellby Fee Schedule. You will have forty-five (45) days to re-pay any overdrawn balance.

Wellby Overdraft Steward can pay overdrafts on checks and Automated Clearing House (ACH) transactions (e.g., transactions using Wellby Bill Pay, recurring payments such as phone bills, mortgages or utility bills set up using your account and routing number) for a fee, when there is not a sufficient available balance in your eligible Wellby checking accounts up to a certain limit amount, for which you must meet certain criteria. This service is DISCRETIONARY, and Wellby does NOT GUARANTEE payment of your overdraft transaction. Additionally, we will not authorize and pay overdrafts for ATM withdrawals, over-the-counter withdrawals, and internal transfers initiated through online banking and telebanking and may not authorize and pay overdrafts for Point-of-Sale (POS) Debit Card transactions. You must enroll in the Overdraft Steward Debit Card Coverage to authorize payment of overdrafts for POS Debit Card Transactions. If you do not have a sufficient available balance to cover the full overdraft amount, Wellby may return the ACH or check items as unpaid, and assess an Insufficient Funds (NSF) fee as detailed in the Wellby Fee Schedule. You will have forty-five (45) days to re-pay any overdrawn balance.

Wellby Overdraft Steward with Debit Card Coverage is an optional service that will cover one-time Point-of-Sale (POS) Debit Card transactions for a fee of when there is not a sufficient available balance in your eligible Wellby checking accounts up to a certain limit amount, for which you must meet certain criteria. We will not authorize and pay overdrafts for ATM withdrawals, over-the-counter withdrawals, and internal transfers initiated through online banking and telebanking and may not authorize and pay overdrafts for Point-of-Sale (POS) Debit Card transactions. You must enroll in the Overdraft Steward Debit Card Coverage to authorize payment of overdrafts for POS Debit Card Transactions. We will charge a fee of $25.00 each time we pay a transaction using this Overdraft Steward coverage. If you are not opted-in to the Overdraft Steward service, we will DECLINE the Point-of-Sale (POS) Debit Card transaction, and assess an Insufficient Funds (NSF) fee as detailed in the Wellby Fee Schedule. You will have forty-five (45) days to re-pay any overdrawn balance.

For eligibility and more detail on Overdraft coverage programs see here: Disclosures | Wellby.

⁷Must be at least 18 years of age to open a Wellby Savings Plus account. The Wellby Savings Plus account is a tiered rate share account requiring a minimum opening deposit of $100.00 and has no minimum balance requirements. The minimum balance to obtain the stated APY for each tier is listed within the Wellby Rates and Fees Schedule in the Truth in Savings Disclosure. To qualify for the double-the-rate Bonus APY on your Wellby Savings Plus account, you must have an active Wellby Secure Spending (checking) account and complete eight (8) combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00 or more that post during the applicable qualification period. A transaction is considered a POS transaction when you use your debit or credit card online, or physically at a POS register via tap, swipe, or insert. The qualification period is effective from the first day through the last day of the following calendar month and is recalculated monthly based on the prior month’s qualifying transactions. If requirements are unmet, account balances will earn the lowest APY for the applicable tier. The following earnings example is for illustrative purposes only. A member maintaining a balance of at least $250,000.00 in a Wellby Savings Plus account can earn approximately $8,250.00 annually, based on a Bonus APY of 3.30%. APY is accurate as of 1/1/2026. Other account fees may apply. See the Wellby Rates and Fee Schedule in the Truth in Savings Disclosure for details. 

⁸Learn more about Save the Change here.

⁹To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

A Primary Savings account is required for new members, which includes membership share and has a minimum balance of $5.00 to open the account.