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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

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.
family on a walk with saving rate icons

Take Your Savings Further

Pair your Wellby Savings Plus account with any Wellby checking account and double your savings rate** to earn up to 4.08% APY*

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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Wellby Secure Spending

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

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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online direct deposit management

Safe and Secure Direct Deposit in Minutes

Set up or switch your direct deposits right from your Wellby mobile banking app in minutes! No need to go to your HR, manage mountains of paperwork, or delayed start times. Stay in control of your financial data, your paycheck, and your savings with the safest and fastest way to deposit your paycheck.

Checking Account Rates

Compare Checking Accounts

ProductWellby Secure SpendingWellby Achievement CardWellby Early Start Card
Monthly Service Fee$0$0$0
Initial Deposit$25$10$10
Debit Card & Online Bill Pay
Overdraft Protection
Overdraft Steward
ATM Services
Early Payday*
Direct Deposit Connection and Customization
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Let's Get Started

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

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 Secure Spending account?
Does the Wellby Secure Spending account have any fees?
Can I manage my Wellby Secure Spending account online?
What is Wellby’s routing number?