Wellby Financial

Wellby Spending Plus

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

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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*

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

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Money Management Tools

Set savings goals and transaction alerts to keep track of your spending.


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Convenient Ways To Pay

Free Visa debit card, digital wallet, P2P transfers, and a free box of checks each calendar year.
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Top-Level Security

24/7 fraud monitoring, security alerts, and $0 liability protection for fraudulent charges.

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
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Easy Money Transfers

Transfer money between your accounts and outside of Wellby with our peer-to-peer services.

Your Money When You Need It

With free access to more than 5,000 credit unions and 55,000+ free ATMs, your funds are never out of reach.

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Your Money Works Smarter, Not Harder

Enjoy dividend rates slightly higher than high-yield savings account with no minimum balance or direct deposit requirements.

Wellby Spending Plus Rates
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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.

Learn More

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.

Welly Spending Plus FAQs

Learn all about the Wellby Spending Plus account and how best to utilize its tools to achieve your goals.

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Common Questions

How do I apply for a Wellby Spending Plus account?
Does the Wellby Spending Plus account have any fees?
Can I manage my Wellby Spending Plus account online?
How do I activate the enhanced identity theft monitoring services that are included with my Wellby Spending Plus account?