Wellby Spending Plus
Earn more with higher dividend returns and the versatility of your everyday checking account rolled into one.

Get More for Your Money
The Wellby Spending Plus account offers more ways to reach your financial goals.
- Interest earning checking with dividends paid monthly*
- Higher interest rates on higher balances*
- Up to $15 ATM fee reimbursement*
- Expanded identity theft protection with nxg|PROTECT
- Mobile Phone Coverage* - Insurance coverage for your phone repair or replacement
We Offer Advantages Like Never Before
Money Management Tools
Convenient Ways To Pay
Top-Level Security
A Low Service Fee You Can Waive
We’ll waive your $10 monthly service fee if you:
- Set up a direct deposit of at least $4,500 per month
- Register for our online banking platform and log in once every three months
- Complete one of the following: eight or more posted debit card transactions or bill payments with your debit card, or have $100,000+ in lending balances with Wellby

Easy Money Transfers
Transfer money between your accounts and outside of Wellby with our peer-to-peer services.
Your Money Works Smarter, Not Harder
Enjoy dividend rates slightly higher than high-yield savings account with no minimum balance or direct deposit requirements.
nxg|PROTECT Program
With the support of the nxg|PROTECT program, a Wellby Secure Spending or Wellby Spending Plus account provides you access to expanded identity monitoring services in addition to the fully-managed identity theft recovery services included with all accounts. Keep your identity safe and secure with the extended benefits included in the nxg|PROTECT program.
- Annual tri-bureau credit reports and scores available once every 12 months on demand.
- Monitor credit activity with TransUnion® immediately and extend monitoring to include Experian® and Equifax® at any time.
- Dark Web Monitoring to detect personal information such as email addresses, credit card numbers, and passwords.
Additionally, nxg|MOBILE provides Mobile Phone Coverage with easy-to-use mobile phone insurance for all phones owned by the primary account holder.
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.
Welly Spending Plus FAQs
Learn all about the Wellby Spending Plus account and how best to utilize its tools to achieve your goals.