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
Your Money, Faster
No Fees
Free as free can be - $0 monthly service fees and no direct deposit requirement.
On-The-Go Banking
Our easy-to-use mobile banking app allows you to access your account information and balances, deposit checks, transfer funds, and pay your bills. Learn More.

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.
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.
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*** | |||||
Let's Get Started
You’re just a few clicks away from starting your new financial journey.
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.