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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.
- Access Member Benefits
- Get to Know Wellby
Overdraft Protection
Because sometimes, the unexpected happens and you need to use tomorrow’s money, today.
Accidents happen. Stay protected during your everyday spending.
Account overdrafts are often unexpected and occur while you’re going about your daily business. Based on your Wellby account type, you’ll have a range of overdraft protection services to rely on when the unexpected happens.
Overdraft Ease™
Overdraft EaseTM has you covered up to $20, based on account history and activity*, to help prevent overdraft fees. The balance will need to be repaid in full to ensure your account is returned to a positive balance.
Available Accounts
- Wellby Spending
- Wellby Spending Plus
- Wellby Secure Spending
Overdraft Protection
Overdraft Protection allows you to link a Wellby Savings Account or a Line of Credit as a backup in case accidental overdrafts occur. When an overdraft occurs on your checking account, the exact amount needed to prevent the overdraft is transferred from your linked account with no additional transfer fee, ensuring enough funds are available. Overdraft Protection covers all transactions, including ACH, checks, ATM, and debit card purchases.
Available Accounts
- Wellby Spending
- Wellby Spending Plus
- Wellby Secure Spending
- Wellby Achievement Card
Overdraft Steward
Our Overdraft Steward program covers potential overdraft transactions at Wellby’s discretion* (based on your account history, deposits you make, and the transaction amounts). Based on these criteria, Wellby may pay any overdraft transactions for a small fee per transaction. If Wellby does not pay your transaction, it will be declined or returned unpaid. Unpaid items may also be charged a fee for insufficient funds.
Available Accounts
- Wellby Spending Plus
- Wellby Secure Spending
Comparable Products
| Product | Wellby Spending | Wellby Spending Plus | Wellby Secure Spending | Wellby Achievement Card | Wellby 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 | |||||
Overdraft Protection FAQs
Learn more about our overdraft protection services and how you can opt in today.