|Awards Checking||Freedom Checking||Member Checking|
|Minimum Daily Balance||None||None||$300|
|Monthly Service Charge if Daily Minimum Balance is not Maintained||None||None||$5|
|Dividends||Variable rate compounded & paid monthly on daily balances||None||Variable rate compounded & paid monthly on daily balances of $500+|
|Overdraft Item Charges
(By check, ATM withdrawal, CheckMate purchase or electronic payment)
|$20 per presentment||$20 per presentment||$20 per presentment|
(Transferring from Savings or Kwik Cash Loan regardless of number of items)
|Maximum Overdraft Charge Per Day
(Regardless of items)
|Check Printing Fee||Varies||Varies||Varies|
|Stop Payments for Checks or Automatic Deductions**||$20||$20||$20|
|Depositing a Bad (Returned) Check Due to Non-Sufficient Funds, Stop Payment or Account Closed||$10.00 per item||$10.00 per item||$10.00 per item|
|Phone transfers (no charge for transfers to loan or credit card payments)||$1.00||$1.00||$1.00|
|Transfer with 24-hour Phone Banking Service||Free||Free||Free|
|Transfer made with online banking or mobile app||Free||Free||Free|
**If multiple checks are stopped, the initial charge is still $20.00 total. However, there may be an account research fee assessed if the checks are fraudulently used.
Get CheckMate – it’s your debit and ATM card all in one!
At WCCU, you need not worry about storing your original returned checks. For your convenience, copies of original checks are kept in safekeeping. If you have online access to your accounts, you can view and print copies of your cleared checks. If you do not have online access to your accounts, you can request a photocopy of a paid check at any time. Each copy is $1.00. Requests that involve many checks or requests that require a significant amount of time may be subject to a research charge.
Statements for all WCCU checking accounts are mailed monthly. All transactions, including direct deposits, automatic transfers/payments, debit card purchases, ATM transactions, Internet transactions, and TellerLine/phone transactions are included on your monthly statements.