Wellby Secure Spending
A free high yield checking account with premium perks
Free High Yield Checking, Premium Perks
Our Secure Spending checking account gives you more flexibility with added benefits and services.
- High Yield Advantage1: Earn up to 4.50% APY on Secure Spending balances up to $50,000 by making 30 point-of-sale (POS) Wellby Debit or Credit Card transactions monthly.
- 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.
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.
We Offer Advantages Like Never Before
Earn While Spending
Earn dividends while still enjoying no minimum balance or direct deposit requirements.
Early Payday
Access your direct deposit money up to two business days earlier.
Peace of Mind
Identity, credit activity, dark web, and high-risk transaction monitoring to keep your financial information safe and secure.
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.
Banking Worldwide
Your Visa™ debit card is accepted wherever your adventures take you, so you can explore the globe without limits.
Card Designs
Double Your Savings Rate
Earn Up to 4.08% APY* on Your Wellby Savings Plus Account
Pair your Wellby Savings Plus account with a Wellby Secure Spending checking account, and double your savings rate!
Earn Up to 4.08% APY* on Your Wellby Savings Plus Account
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.
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.