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.
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- 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
- 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
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Account Options
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Interest Checking
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Non-Interest Checking
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Simply Debit
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Account Description
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Earn interest by maintaining a $500 minimum balance with this account. Unlimited check writing capabilities per account cycle.
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Non-interest bearing account for those who want a lower minimum balance. Unlimited check writing capabilities per account cycle.
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The perfect account for those who do not want or use checks. No minimum balance. No monthly service fees.
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Minimum amount to open
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$500
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$100
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$1
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Monthly Service Fee
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$5
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$5
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$0
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How to avoid monthly service fee
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- Maintain $500 minimum balance
- Qualifying Direct Deposit
- Savings account with at least $1,000 balance
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- Maintain a $100 minimum balance
- Qualifying Direct Deposit
- Savings account with at least $1,000 balance
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N/A
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Earns Interest
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Yes, as long as balance remains above $500
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No
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No
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Number of checks allowed to write per month
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Unlimited
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Unlimited
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None
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Qualifies for Relationship CDs (when available)
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Yes
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Yes
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Yes
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Monthly paper statements or eStatements
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Yes
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Yes
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Yes
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Debit Card available
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Yes
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Yes
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Yes
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Debit Card ATM transactions at WFS ATM and ATMs within the MoneyPass® or Freedom ATM Alliance® Networks
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Free
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Free
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Free
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Debit Card ATM transaction fees at non WFS, MoneyPass® or Freedom ATM Alliance® Networks
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Not from WFS
Other banks may charge
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Not from WFS
Other banks may charge
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Not from WFS
Other banks may charge
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Stop in or call us today for more information on opening an account.
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FDIC-Insured - Backed by the full faith and credit of the U.S. Government