Introducing: Choice Checking

You work hard for your money, and you know it makes sense to protect it and save it. Choice Checking helps keep your money safe and offers sound money-saving benefits, so you can feel secure.

The Benefits of Choice Checking

  • No minimum balance requirement
  • Unlimited check writing with no per-check fees
  • Free debit-ATM card
  • Free online BillPayXL
  • 24-hour online and mobile account access
  • Overdraft Protection Options
  • Nearly 30,000 surcharge-free ATMs with
    the CO-OP Network

  • IDProtect® Identity Theft Protection Service1
    At West Community, we take your identity protection seriously. That’s why we’re proud to offer IDProtect® Identity Theft Protection Service. This is our proactive step to protect you and your family from identity fraud. With IDProtect it's easy to put protective measures in place and help stop fraud. See the complete suite of IDProtect® benefits here.

  • Cellular Telephone Protection2
    Cell phones are part of our daily lives. Replacing them if they are stolen or damaged can be costly. As an eligible account holder you receive up to $300 of Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad.
  • Cash Back Member Rewards
    You can earn 10% cash back on your everyday purchases – such as groceries, household supplies, entertainment. Save your receipts and submit quarterly for cash back rewards. (Registration and activation at our e-Club site required. Terms and conditions apply.)
  • $hopping RewardsTM
    As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your Shopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy! (Registration and activation at our e-Club site required.)

A $5.00 per month fee will apply. However, we’ve made it easy to waive this monthly fee!
If you have the following services you will get all of the benefits of IDProtect at no cost:

  • Direct Deposit and an active debit card, with: A loan product or a deposit balance of $2,500 or more,
  • OR If you are a student under age 21


Interest Checking

Overdraft Protection Options

With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

West Community Credit Union may have the solution you’re looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege.
West Community Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Learn more about opting in to extend your Overdraft Privilege coverage.

Consent for Extended Coverage

Take advantage of Overdraft Privilege to access additional funds above your current balance for everyday debit card and ATM transactions should you not have enough money in your account to cover them. Opt-in for this service by calling Member Services at (636) 720-2400 or completing the Extended Coverage Consent Form.

We also offer other Overdraft Protection options such as:

Savings Transfer – To save you time and money, West Community Credit Union has the ability to automatically transfer available funds from your savings account to your checking account to cover insufficient funds. A transaction fee of $5.00 will be applied to each transfer. Federal Regulation D transfer limitations apply. Refer to Truth and Savings Disclosure for additional information.  

Overdraft Line of Credit – Apply for a personal Overdraft Line of Credit Loan for your checking account to cover insufficient funds. A $5.00 daily transaction fee will apply if an overdraft transfer(s) is made. 

Annual Percentage Rate of 12.9% APR. All Lines of Credit are subject to approval with an Annual Percentage Rate. Terms and conditions may vary based on creditworthiness qualifications. Rates, terms, and conditions are subject to change. Refer to a Member Service Consultant for additional information.

1. IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).
2. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance
3. Service charge per check in excess of 6 per statement period of $0.50
4. Requires E-statements with direct deposit (minimum $400) OR E-statements with debit card (minimum of 6 transactions). A $5 monthly fee applies if requirements are not met.
5. Free to members 62+
6. A $5.00 monthly fee applies if balance drops below $2,500. Fee not applicable to members age 62+

Refer to Truth and Savings Disclosure for additional information.

Insurance products are not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity.

BRENTWOOD 2345 S. Brentwood     O’FALLON 4161 Highway K     KIRKWOOD 465 S. Kirkwood     (636) 720-2400 or (800) 500-6860
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