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Wellby Financial

Wellby Spending

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

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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*

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

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Faster Checkout

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

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Budget Management

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


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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

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.

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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.

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Illustration of a cellphone with a picture of a wallet with money and a Wellby debit card inside

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.

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Wellby Spending

Wellby Secure Spending

Wellby Spending Plus

Wellby Achievement Card

Wellby Early Start Card


Wellby Spending

BalancesDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn APYMinimum Balance to Avoid Service FeeDividends CompoundedDividend Credited
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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 Card
Initial Deposit$25$25$25$10$10
Monthly Fee$0$10*$6**$0$0
Debit Card & Online Bill Pay
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.

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Common Questions

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