Checking Accounts

Check Rates

All checking accounts include unlimited check writing with no monthly or per-check fees and free debit-ATM cards, free bill pay and 24-hour online and mobile account access. Overdraft protection lines of credit are available for qualified members.

Free Checking
No minimum balance or monthly service charges and a $25 minimum initial deposit to open.

Checking Plus
Earns daily interest with a $500 minimum balance.

Preferred Checking
Earns interest on balances over $1,000. No minimum balance. 

Premium Checking
Earns higher daily interest with a $2,500 minimum balance.

Senior Checking
Earns daily interest with no minimum balance if age 62 or direct deposit of a Social Security or retirement check. Standard personal checks are free.


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.

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