Checking

Free
Checking

With Free Fraud Detection

Teen
Checking

Made for Kids 13 to 17

Learn more

Interest
Checking

Competitive Rates

See Rates

Fresh Start Checking*

Get a Second Chance

Open a Checking account Online

Buy Now Pay Later

Your West Community debit card purchases may qualify for Buy Now Pay Later offers, allowing you to split your purchases into smaller payments over time.

Learn morE About Buy Now Pay later!

Order Checks

Login to Digital Banking to securely and accurately order new checks. Not enrolled? You can visit our supplier and enter your information manually.

Login to digital Banking to order directly

Order checks by entering you information manually

All Checking accounts include these free fraud detection tools:

Custom Real-Time Account Monitoring

Transaction alerts to know immediately when activity occurs on your accounts
Scheduled daily balance alerts
Funds transfer alerts
Online and Mobile Banking login alerts

Debit Card Controls

Debit Card use alerts
Turn your cards on and off
Set spending limits
Limit card use regionally and by merchant type
Block international transactions
Set travel notifications

Monitor Credit Activity⁴

Credit activity change alerts to help you monitor for unsolicited changes to your credit report
24/7 credit score access
Monthly credit reports
Even initiate disputes from our digital banking tools

Learn more about PROTECTING YOURSELF from fraud

1) Download of the West Community Mobile Banking app or enrollment in Online Banking required.
2) A $5.00 monthly fee applies if balance drops below $2,500. Fee not applicable to members age 65+.
3) Free checks are available to senior members age 65+ when ordered through a credit union branch. Online ordering not available.
4) Credit score monitoring not available for account holders under 18 years of age.

*Shared Branch transactions not permitted. After 12 months of satisfactory account history, an account review can be requested to determine if qualifications are met to convert to a Free Checking or Interest Checking Account. A $400 Overdraft Privilege available after three months of satisfactory account history.

Comparison

CHECKING COMPARISON

BENEFITS	FREE CHECKING	INTEREST CHECKING	TEEN CHECKING	FRESH START CHECKING
FREE Credit Report¹
Mastercard® Debit Card
Debit Card security
FREE Digital Banking
FREE Bill Pay
FREE Mobile Check Deposit²
30,000 surcharge FREE ATMs
Overdraft Protection Options				Limitations³
Shared Branch Access				⁴
Unlimited Check Writing
Pays Interest
FREE Checks		⁵
Min. Deposit	$25	$25	$25	$25
Monthly Fee				$10⁶
Min. Balance Fee		$5⁷
Min. Balance Requirement		$2,500⁷

1) Enrollment in Digital Banking required. Credit score monitoring not available for account holders under 18 years of age.
2) Download of the West Community Mobile Banking App required.
3) A $400 Overdraft Privilege available after three months of satisfactory account history.
4) Shared Branch transactions not permitted.
5) Free to members 62+ when ordered directly through a credit union branch.
6) After 12 months of satisfactory account history, an account review can be requested to determine if qualifications are met to convert to a Free Checking or Interest Checking Account.
7) A $5.00 minimum balance fee applies if balance drops below $2,500. Fee not applicable to members age 62+

Open a Checking Account Today

Open your checking account online or visit your local branch.

Open a checking account

Overdraft

OVERDRAFT COVERAGE OPTIONS

Life happens! West Community Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

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.

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

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.

Account Management Resources:

Link to another deposit account you have at West Community Credit Union
$5 fee per transfer

Overdraft Line of Credit
$5 fee per day + 12.9% APR

If you have any questions about Overdraft Coverage, please call us at (636) 720-2400 or (800) 500-6860, or visit a branch.

¹ Contact us at (636) 720-2400 or [email protected], or visit a branch to sign up or apply for these services;
²subject to credit approval;
³A $5.00 transaction fee will apply for each day that an overdraft transfer(s) is made into your account.
⁴Annual Percentage Rate (subject to 12 C.F.R. § 1026.16[b])

Credit Score

FREE CREDIT SCORE ACCESS & ALERTS

Your credit score affects every aspect of your financial life – from loan rates to cost of insurance. The better your score, the more you save. That’s why we’ve made it easy to monitor your credit score and activity by offering 24/7 access to it for FREE in our Mobile Banking App and in Online Banking.

FREE Unlimited access to your credit score
FREE Monthly credit reports
FREE Daily credit alerts to help you monitor for fraud
FREE Tips for improving your score
FREE Opportunities to save
See the average credit score within your ZIP code
Review how your credit score has changed over time
Initiate credit report disputes from the app

Login and Take Control

credit sense screen Secure, free access to your credit score is only one way our digital banking services put you in charge. Login to Online Banking today or download our Mobile App for secure 24/7 account access. Pay bills, transfer money, view balances, monitor your money with a variety of account and card alerts, and even deposit checks with the Mobile App!