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Checking Accounts

You have enough going on in your life, so choosing a checking account shouldn’t be complicated. We help keep it simple by offering 3 different types of checking accounts. All offer easy access 24/7 to your money with a WFS debit card, mobile and online banking, telephone banking, CheckFree bill pay, external transfers, Zelle and eStatements.

  • Surcharge-free ATM access at more than 37,000 locations within the Freedom ATM Alliance and MoneyPass networks
  • No ATM surcharge from WFS if you use an ATM outside of the Freedom ATM Alliance or MoneyPass networks. Surcharges from other banks may apply
  • Immediate access to your paycheck with direct deposit
  • Transfer between WFS accounts using online or telephone banking
  • Hassle free switching from your existing checking account at another bank to WFS
  • Earn higher interest rates with relationship CDs (when offered)
  • Eliminate the monthly maintenance fee by one of the following:
  • Maintaining the stated minimum balance
  • Having a direct deposit into the account
  • Maintaining a $1,000.00 balance in a qualified savings account 

Compare Our Accounts

Account Options

Interest Checking

Non-Interest Checking

Simply Debit

Account Description

Earn interest by maintaining a $500 minimum balance with this account. Unlimited check writing capabilities per account cycle.

Non-interest bearing account for those who want a lower minimum balance. Unlimited check writing capabilities per account cycle.

The perfect account for those who do not want or use checks. No minimum balance. No monthly service fees.

Minimum amount to open

$500

$100

$1 

Monthly Service Fee

$5

$5

$0

How to avoid monthly service fee

  • Maintain $500 minimum balance
  • Qualifying Direct Deposit
  • Savings account with at least $1,000 balance
  • Maintain a $100 minimum balance
  • Qualifying Direct Deposit
  • Savings account with at least $1,000 balance

N/A

Earns Interest

Yes, as long as balance remains above $500

 No

No 

Number of checks allowed to write per month

Unlimited

Unlimited 

None

Qualifies for Relationship CDs (when available)

Yes

Yes

Yes 

Monthly paper statements or eStatements 

Yes

Yes

Yes

Debit Card available

Yes

Yes

Yes

Debit Card ATM transactions at WFS ATM and ATMs within the MoneyPass® or Freedom ATM Alliance® Networks

Free

Free

Free

Debit Card ATM transaction fees at non WFS, MoneyPass® or Freedom ATM Alliance® Networks

Not from WFS
Other banks may charge

Not from WFS
Other banks may charge

Not from WFS
Other banks may charge 

Stop in, call us or click on the 'Open an Account' tab today for more information or to open an account.