Checking Accounts
Manage your money through the day-to-day and the once-in-a-lifetime.
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
Easy Money Transfers
Save Time and Money
Simple Spending
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.


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.
Compare Checking Accounts
Product | Wellby Spending | Wellby Spending Plus | Wellby Secure Spending | Wellby Achievement Card | Wellby Early Start Card |
---|---|---|---|---|---|
Initial Deposit | $25 | $25 | $25 | $10 | $10 |
Monthly Fee | $0 | $10* | $6** | $0 | $0 |
Debit Card & Online Bill Pay | |||||
Checks | |||||
Overdraft Protection | |||||
Overdraft Steward | |||||
ATM Services | |||||
Identity Theft Recovery | |||||
Expanded Identity Theft Protection & Mobile Phone Coverage*** | |||||
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.