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Download the New Wellby App & Enroll in Digital Banking

Be sure you have your existing member information ready to avoid enrollment issues, including your social security number, member number, and the email address and phone number associated with your JSC FCU account. Don’t attempt to enroll more than four times to avoid being locked out.

Wellby Spending Plus Accounts

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 Vero ID +

We Offer Advantages Like Never Before

Smart Money Management Tools

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

Convenient Ways To Pay

Free VisaTM debit card, a digital wallet, peer-to-peer transfers, plus a free box of checks each calendar year.

Top-Level Security

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

Low Service Fee You Can Waive

We’ll Waive your $10 Monthly Service Charge if You: 

  • Set up direct deposit of at least $4,500 per month 
  • Register for our online banking platform and are an active user by logging in once every three months 
  • Complete one of the following: eight or more posted debit card transactions or bill payments, or $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 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.

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, you’ll have access to improved identity monitoring services on top of your fully managed identity recovery services. Keep your identity safe and secure with the Wellby & nxg|PROTECT program’s extended benefits.

  • Annual tri-bureau credit reports and scores available once every 12 months, on demand.
  • Monitor credit activity with TransUnion with expandable coverage for Experian and Equifax.
  • Dark Web Monitoring to detect personal information such as email addresses, credit card numbers, and passwords.
Learn More

Let's Get Started

Complete your online application and start enjoying your Wellby Spending Plus account benefits today. Online applications take only a few minutes and can be approved instantly. 

Comparable Products

ProductWellby SpendingWellby Spending PlusWellby Secure SpendingWellby Achievement CardWellby Early Start Checking
Initial Deposit$25$25$25$10$10
Monthly Fee$0$10/Free*$6/Free$0$0
Debit Card
Checks
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection

Account Type

Wellby Spending Plus

BalancesDividend RateAnnual Percentage Yield (APY)Minimum Opening DepositMinimum Balance to Earn APYMinimum Balance to Avoid Service FeeDividends CompoundedDividend Credited

$0.00 - $9,999.99

0.20%

0.20%

$25.00

$0.01

$0.00

Daily

Monthly

$10,000 - $24,999.99

0.20%

0.20%

$25.00

$0.01

$0.00

Daily

Monthly

$25,000 - $49,999.99

0.30%

0.30%

$25.00

$0.01

$0.00

Daily

Monthly

$50,000 - $99,999.99

0.30%

0.30%

$25.00

$0.01

$0.00

Daily

Monthly

$100,000 - $249,999.99

0.30%

0.30%

$25.00

$0.01

$0.00

Daily

Monthly

$250,000+

0.30%

0.30%

$25.00

$0.01

$0.00

Daily

Monthly

Welly Spending Plus FAQs

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

Learn More

Common Questions

How do I apply for a Wellby Spending Plus account?
Does the Wellby Spending Plus account come with any fees?
Can I manage my Wellby Spending Plus account online?