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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 Secure Spending Accounts

Earn dividends on your account balance while managing your daily spending.

Everyday Banking with Even More Benefits

Our Secure Spending checking account gives you more flexibility with additional benefits, services, and interest.

  • Up to $15 ATM fee reimbursement*
  • Expanded Identity Theft Protection
  • One free box of standard checks per calendar year
  • Multiple ways to waive the monthly fee

We Offer Advantages Like Never Before

Earn While Spending:

Earn dividends while still enjoying no minimum balance or direct deposit requirements.

Budget Management:

Our budgeting tools allow you to see the big picture while still managing the day-to-day.

Peace of Mind:

24/7 fraud monitoring, security alerts, and $0 Liability Protection for fraudulent charges.

Low Service Fee You Can Waive

We’ll waive your $6 Monthly Service Charge when you: 

  • Set up a direct deposit of at least $300 per month 
  • Register for our online banking platform and are an active user by logging in once every three months 
  • Receive eight or more posted debit card transactions or bills paid with your debit card, or by being a Wellby Lending member* 

Easy Money Transfers

Transfer funds between your accounts or to friends and family with our peer-to-peer services. 

Your Money When You Need It

Convenient locations, thousands of ATMs, and digital banking online or on your mobile device give you complete access to your funds when and where you need them. 

Banking Worldwide

Never pay a foreign transaction fee again on your VisaTM card accepted worldwide. 

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

Ready to get Started?

If you need more than a basic checking account, the Wellby Secure Spending account may be the perfect fit for you. You’re only a few clicks away from enjoying  your  expanded  Wellby member benefits.

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
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection

Account Type

Wellby Secure Spending

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









Wellby Secure Spending FAQs

Want to know everything your new Wellby Secure Spending account can do for you? Check out our frequently asked questions.

Learn More

Common Questions

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