Select branches are open. Locate the nearest open branch by visiting our branch status page. We appreciate your patience as we restore normal operations.

Wellby Financial logo

Wellby Secure Spending

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

Illustration of using a computer to manage your Wellby accounts, daily transactions, and investments

Everyday Banking with Free Premium Perks You'll Love

Our Secure Spending checking account gives you more flexibility with added benefits and services.

  • No Monthly Service Fees: Your money stays with you – where it belongs.
  • Early Payday2: Celebrate payday up to 2 business days early at no extra charge.
  • Free Wellby Visa Debit Card and Access to +55K fee-free ATMs: Access to your money when you need it.
  • Financial Wellness Center: Access courses to help you learn more about healthy money habits.

Safeguard Your Identity & Finances

Protecting your identity and keeping your financial information secure is important, and a Wellby Secure Spending account empowers you to build lasting financial success with these added free premium benefits.

  • Credit Score Tracker3: Keep an eye on your credit health daily with our in-app widget.
  • IDProtect4: Free identity*, dark web*, social media*, and high-risk transactions monitoring*, and more, to keep your financial information safe and secure.
  • Cell Phone Protection1: Up to $600 of replacement or repair cost for damaged or stolen phones.
  • Overdraft Protection Options6: Life happens, and Wellby has your back.

Double Your Savings Rate

Earn Up to 4.08% APY* on Your Wellby Savings Plus Account

*APY = Annual Percentage Yield

Pair your Wellby Savings Plus account with a Wellby Secure Spending checking account, and double your savings rate!

We Offer Advantages Like Never Before

paperclip icon

Earn While Spending

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


paperclip icon

Early Payday

Access your direct deposit money up to two business days earlier.



paperclip icon

Peace of Mind

Identity, credit activity, dark web, and high-risk transaction monitoring to keep your financial information safe and secure.

A Free Checking Account that's Actually...Free

Managing your day-to-day finances should be simple, with no complex monthly service fees. Get all the tools, services, and capabilities you need with the free Wellby Secured Spending checking account.

Two people reviewing their finances at a desk using their phone and laptop

Early Payday

The only thing better than payday? Getting paid up to two days early! Get access to your money up to two business days earlier. The best part? There's no fees or additional costs, and no sign-up—just your hard-earned money in your hands sooner.

Early Payday FAQs

Get Paid Up to 2 Days Early!

Easy Money Transfers

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

Illustration of two people sending money back and forth to each other

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

Your Visa™ debit card is accepted wherever your adventures take you, so you can explore the globe without limits.

Wellby Secure Spending Rates
Illustration of using a magnifying glass to monitor your personal information

IDProtect Benefits

With IDProtect® Benefits4, a Wellby Secure Spending account provides you access to expanded identity monitoring services to keep your identity safe and secure.

  • Access to Credit Score Tracker3 widget from your Wellby digital banking dashboard to keep an eye on your credit health daily and see changes in your credit score over time.
  • Identity monitoring* of over 1,000 databases.
  • Dark web*, social media*, and high-risk transactions monitoring*.
  • Single bureau credit reports and credit score access3, plus daily credit file monitoring and automated alerts of key changes to your credit report.
  • Access all your identity theft protection and recovery benefits with one click through the credit score widget on your dashboard.

Compare Checking Accounts

ProductWellby Secure SpendingWellby Achievement CardWellby Early Start Card
Monthly Service Fee$0$0$0
Initial Deposit$25$10$10
Debit Card & Online Bill Pay
Overdraft Protection
Overdraft Steward
ATM Services
Early Payday*
Direct Deposit Connection and Customization
graphic of jar filled with money

Let's Get Started

You’re just a few clicks away from starting your new financial journey.
Let’s reach your dreams together.

Wellby Secure Spending FAQs

Want to know more about what the Wellby Secure Spending account can do for you? Check out our frequently asked questions.

View More FAQs

Common Questions

How do I apply for a Wellby Secure Spending account?
Does the Wellby Secure Spending account have any fees?
Can I manage my Wellby Secure Spending account online?
How does Early Payday work?
Do I need to sign-up for Early Payday?