We’re experiencing higher-than-normal call volumes, and we appreciate your patience as we work to answer your calls as quickly as possible.

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 Checking Accounts

Manage your money through the day-to-day and the once-in-a-lifetime.

Your Money When You Need It.

Our online checking accounts are designed to fit your lifestyle throughout your financial journey.

  • On your terms: Free direct deposit online or with the Wellby Mobile App.
  • Safe and secure: 24/7 fraud monitoring with account security alerts.
  • Flexible: $25 initial deposit + $0 minimum balance requirement.
  • Accessible: Free ATM services through Wellby ATMs and 55,000+ fee-free ATMs across the country with access to more than 5,000 credit union service centers.

We Offer a Smarter Way to Bank

Easy Money Transfers:

Transfer funds between your accounts or send money to friends quickly and without the hassle.

Save Time and Money:

Free account and security alerts, free online bill pay and mobile check deposits, and fee-free overdraft protection options.

Simple Spending:

Contactless VisaTM debit cards and mobile wallets make your day-to-day transactions easier and faster than ever before.

We Go Where You Go

Manage your finances and mobile wallet right from your phone with our mobile app. 

Convenient Banking

Digital banking tools and 24/7-member chat support give you access to your funds when you need them. 

Peace of Mind

Your security is our top priority: free monitoring, alerts, and fraud protection on every personal checking account. 

Wellby Spending Account

Our free checking account option fits your lifestyle, with a wide selection of no-cost features and services.

Wellby Secure Spending Account

Our Secure Spending account goes the extra mile with opportunities to earn dividends on your balance and expanded ID Theft Protection.

Wellby Spending Plus Account

Earn higher dividend rates on larger balances with dividends paid monthly alongside expanded identity theft protection.

Wellby Youth Checking Accounts

The perfect starter accounts for kids and teens ages 4-17 with a joint account holder age 18 or older that is a current Wellby member.

Wellby Debit Cards

Contactless VisaTM debit cards, so paying at checkout can be as simple as a wave of your card.

Overdraft Services

We offer several ways to help prevent overdraft fees and declined transactions based on your account selection.

Let's Get Started

Our online checking account options are designed to fit your goals, and we will be here to help guide you through the entire process. Discover the option that works for you.

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

Checking Accounts FAQs

Learn more about our checking accounts and get ready to take advantage of all the great member benefits Wellby has to offer.

Learn More

How do I apply for one of Wellby’s spending accounts?
Are there any monthly service fees for a Wellby spending accounts?
What is Wellby’s routing number?