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Membership Agreement and Disclosures

Wellby’s Membership Agreement contains the member and account agreement, funds transfer availability policy, and electronic funds transfer agreement.

Membership Agreement and Account Disclosure (PDF)

Overdraft Services Disclosure (PDF)

eStatement and eSignature Disclosure (PDF)

Truth-in-Savings Disclosure (PDF)

Privacy Notice

Wellby respects our members’ expectation of privacy.

Privacy Notice (PDF)

Children’s Privacy

Wellby is dedicated to the protection of children’s information on the internet. We will not intentionally collect personal information from children under 13 on our website without first obtaining consent from their parents or legal guardians.

COPPA Privacy Notice (PDF)
COPPA Direct Notice to Parents (PDF)

To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the National Credit Union Administration Regulatory Alert or the Federal Trade Commission’s website.

Wellby Checking Account Benefits Update

At Wellby Financial, we’re committed to continually enhancing the value and experience we offer to our members. We’re thrilled to share some exciting news regarding the benefits we’re adding to our Wellby checking account and integrating into our Wellby digital banking experience. These enhancements are available to Wellby checking account holders beginning April 1, 2024.

Checking Account Benefits Update (PDF)

Online Banking Agreement, Terms & Conditions

Standard End-User Agreement (EULA)


Fees subject to change.

Fee schedule (PDF)

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account at Wellby, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.