Checking Accounts

Here’s a personal checking account with all your banking must-haves and none of the hassle of monthly service fees or minimum balances. Open a checking account, and walk out with a debit card.* Looking for money management made easy? No monthly service fees or minimum balance required.

*Limitations may apply

Forms and Disclosures

Key Features

  • icon images 24/7 Online & Mobile Banking
  • icon images Person-to-Person Payments
  • icon images Bill Pay
  • icon images Secure Debit Card
  • icon images Mobile Deposit & Digital Wallet
  • icon images Federally insured by NCUA

  • Benefits of a Welcome Checking Account

    • No monthly maintenance fees
    • No minimum balance
    • Add your Welcome FCU debit card to your digital wallet
    • Digital banking:
      • Online banking with bill pay
      • Mobile banking with mobile deposit
      • eStatements
      • Person-to-Person payments
    • ATM/Debit Access
    • Surcharge-free ATM network
    • Overdraft Options
    • $50 minimum deposit to open
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  • Secure Debit Card Features

    • View recent card transactions
      • Where they took place
      • Broken out by month
      • Displayed in spending categories
      • Presented in detail
    • Manage controls and alerts
      • Add spending limits
      • Use location features to block foreign transactions and set geographic spending boundaries
      • Select allowable transaction and merchant types
      • Add travel plans
      • Easily report lost cards
      • View merchants with recurring payments
    • Add cards to your digital wallet
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  • Easily Switch Your Account

    • Open a Welcome checking account online
    • Use our Switch Kit to transfer direct deposits and automatic payments
    • Close your old checking account using our Easy Switch Form.
    • Enjoy your new Welcome Checking Account.
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🗓️ Scheduled Maintenance: Online banking will be temporarily unavailable on May 19, 2026, from 2:00 a.m. ET to 9:00 a.m. ET as we complete a scheduled upgrade. We appreciate your patience.

🗓️ Henderson Branch: Our Henderson branch will be open from 10 AM - 3 PM on Thursday, August 20.

🗓️ Welcome Federal Credit Union will be closed on Monday, May 25 in observance of Memorial Day.

🗓️ Welcome Federal Credit Union will be closed on Friday, June 19 in observance of Juneteenth.

🗓️ Welcome Federal Credit Union will be closed on Friday, July 3 in observance of the 4th of July.

🗓️ Welcome Federal Credit Union will be closed on Monday, September 7 in observance of Labor Day.

🗓️ Welcome Federal Credit Union will be closed on Monday, October 12 in observance of Columbus Day. 

🗓️ Welcome Federal Credit Union will be closed on Wednesday, November 11 in observance of Veterans Day.

🗓️ Welcome Federal Credit Union will be closed for the Thanksgiving Holiday on November 26 & 27, 2025.

🗓️ As we close out 2026 and think forward to 2027, WFCU would like to wish all of our members and their families a wonderful holiday season and a prosperous New Year! Please be advised of our holiday schedule. 

Our auditors, Cantey Tiller Pierce & Green, LLP, may contact select members for routine account verification. Thank you for your careful review.

🗓️ Mark your calendar: WFCU's 2026 Annual Meeting - Members Only -  is Wednesday, May 20. RSVP today!

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