Checking accounts:




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.

  • No minimum balance requirement
  • Unlimited check writing with no per-check fees
  • Free debit-ATM card
  • Free online bill pay
  • 24-hour online and mobile account access
  • Overdraft Protection Options–  Learn more by clicking the “Overdraft Protection" tab above.
  • 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 benefits by clicking the “IDProtect®" tab above.
  • 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



CHECKING account options 

No matter how you like to bank, we have the perfect account for you.


Choice Checking

Interest Checking


IDProtect® Identity Theft Protection Service1 YES NO NO 
Cell Phone Protection2 YES NO NO 
Cash Back Rewards YES NO NO 
$hopping RewardsTM YES NO NO 
Free Debit Card YES YES YES 
Unlimited Check Writing YES YES NO3 
Free Online Bill Pay YES YES YES 
Surcharge Free ATMs  YES YES YES 
Mobile and Online Banking  YES YES YES
Free E-Statements YES YES YES
Direct Deposit/Auto Payments YES YES YES
Overdraft Protection Options YES YES YES
Uni$ource Access YES YES YES
Interest Earned NO YES NO
Free Checks NO NO4 NO
Minimum Opening Deposit $25 $25 $25
Monthly Service Fee No monthly fee with the following services:
  • Direct deposit
  • Active debit card 
  • With: Either a loan product or deposits of $2,500 or more5
No monthly fee with minimum balance requirement of $2,5006 No monthly fee with the following services:
  • E-statements
  • With: Either direct deposit or  a debit card7

Overdraft Coverage Options

Overdraft Privilege

Life happens! West Community Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help. 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. We 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. See complete details below. Opting in is easy! Simply complete the  Extended Coverage Consent Form and return it us!



Link to another deposit account you have at West Community Credit Union1 $5 fee per transfer
Overdraft Line of Credit1,2 $5 fee per day + 12.9% APR3
Overdraft Privilege $29.00 overdraft fee per item

 1Contact us at (636) 720-2400 or, or visit a branch to sign up or apply for these services; 2subject to credit approval; 3Annual Percentage Rate (subject to 12 C.F.R. § 1026.16[b]).

OVERDRAFT PROTECTION services apply to all types of transactions and allows you to link other sources, such as another account or line of credit, at West Community Credit Union to your checking account to pay an overdraft transaction for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

OVERDRAFT PRIVILEGE allows you to overdraw your account for a fee in order to pay a transaction.

Transactions Covered 
with Overdraft Privilege

Standard Coverage

(No action required)

Extended Coverage

(Your consent required)*
Checks X X
ACH - Auto Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Internet Banking Transfers X X
Telephone Banking X X
Teller Window Transactions X X
ATM Withdrawals   X*
Everyday Debit Card Purchases   X*

*If you choose Extended Coverage, all the transaction types listed in Standard Coverage are included, along with ATM withdrawals and everyday debit card transactions. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by visiting a branch, contacting us at (636) 720-2400 or sending us an e-mail. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again.

Extended Coverage

If you would like to select Extended Coverage for future transactions:

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. 

  • Teller, ATM and point of sale transactions are all posted real time. ACH debits are posted as they are received and share drafts are processed in serial number order. The order in which transactions are posted may impact the total amount of overdraft or return fees assessed.
  • A link to a savings account or a line of credit is a less expensive option than an overdraft.
  • A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts.
  • Good account management is the best way to avoid overdrafts.  Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance.
  • The $29.00 fee is the same fee that would be charged if a check was returned as unpaid. If multiple items would overdraw your account on the same day, each item would be assessed an appropriate Overdraft fee or a Return fee of $29.00. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
  • Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
  • Although under payment system rules, West Community Credit Union may be obligated to pay some unauthorized debit card transactions, West Community Credit Union will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).
  • Giving us your consent to pay every day debit card and ATM overdrafts may result in you incurring overdraft fees for transactions that we would otherwise be required to pay without assessing an overdraft fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid overdrafts in excess of your available funds that could result in restriction of your debit card. 
  • Except as described in this letter, West Community Credit Union will not pay items if your account does not contain available funds (including the Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).
  • We may restrict your debit card use if you incur overdrafts in excess of the available funds in your account, including any Overdraft Privilege limit.
  • West Community Credit Union authorizes and pays transactions using the available balance in your account. The available balance is comprised of the ledger balance (collected funds) less any debit card holds, and does not include any deposited funds on hold. West Community Credit Union may place a hold on deposited funds in accordance with our Deposit Account Agreement and Disclosure. If the funds in the available balance are not sufficient to cover a transaction, any available overdraft protection and/or the amount of the Overdraft Privilege limit, may be used to authorize and pay a transaction.
  • West Community Credit Union will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends the funds will be added to the available balance in your account.  If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, an Overdraft Fee may be assessed.
  • Overdraft Privilege limits of up to $800 are available for eligible Personal Checking accounts opened at least thirty days in good standing.
  • Overdraft Privilege limits of up to $1,000 are available for eligible Business Checking accounts opened at least thirty days in good standing.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within Thirty-two (32) days for a minimum of one business day.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account and Disclosure Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.

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

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.


We’re proud to offer our new Choice Checking account with IDProtect® Identity Theft Protection Service1. This is our proactive step to protect you and your family from identity fraud.

Choice Checking account holders can register for IDProtect, and all the benefits listed below, at our e-Club site. Set up protective measures for you and your joint account owners today!


Receive up to $10,000 to help pay expenses, clear your name and repair damaged credit, should you become the victim of identity fraud.


Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your credit and identity are completely restored.


Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards. (Registration at our e-Club site and activation required.).  


IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur.
(Registration and activation at our e-Club site required.)


Request a free, updated credit report every 90 days or upon receipt of alert. Each new report includes an updated single bureau credit score. (Registration and activation at our e-Club site required.)


Continuous monitoring of over 1,000 databases (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

  1. IDProtect service is a personal identity theft protection service available to personal checking 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) and their eligible family members.  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. Refer to Guide to Benefit for terms, conditions, and exclusions of coverage. 
Non-banking benefits above are available to joint account holders (unless otherwise noted). 
Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
  3. Service charge per check in excess of 6 per statement period of $0.50
  4. Free to members 62+. Free checks are available to senior members age 62+ when ordered through a credit union branch. Online ordering not available.
  5. No service fee for members who have direct deposit and an active debit card with: A loan product or a deposit balance of $2,500 or more. Free to members under 21 years of age. A $5 monthly fee applies if requirements are not met
  6. A $5.00 monthly fee applies if balance drops below $2,500. Fee not applicable to members age 62+
  7. 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.

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.

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