Checking Accounts with Zero Monthly Fees*

Get Quick Access to your Income and Keep Track of Expenses

We offer various products and services that go along with your checking account to help you easily manage your income and expenses. Get Direct Deposit, Mobile Banking, Bill Pay, MasterCard debit card and fee-free ATMs.

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Direct Deposit
Get Direct Deposit of your paycheck with no fees. Manage your income with online banking and use your debit card for your expenses.
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Online Banking
Manage your finances online and on your phone by logging into your member account.
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In addition to all WFCU ATMs, your WFCU ATM/ MasterCard®Debit card can be used at all ATMs displaying the NYCE, CO-OP, PULSE, or CIRRUS network symbols.

Benefits of a Checking Account

Easy Access and No Fees

  • $15 minimum balance
  • No Monthly Fees*
  • Money Market minimum is $1,000
  • First 50 Checks are free
  • $1,000 in overdraft protection (subject to approval)
  • Courtesy Override program available
  • No per check charge
  • Unlimited check writing
  • Easy to read monthly statement
  • E-statements available
  • On-line Home Banking Access
  • On-line Bill Payer Service
  • TeleSTAT – automated telephone service
  • Free ATM/Debit Card
  • Retrieve copies of paid Checking/Share drafts with Check Imaging
  • Online “My Deposit” Check Imaging
  • E-alerts available

*Checking Account Monthly Maintenance Fee is waived if you have full direct deposit of a payroll check, pension, or social security into your checking account

Reorder Checks

Click here to Reorder checks for your Wellness Federal Credit Union share draft/checking account.

Quick. Easy. Convenient.

Mastercard Debit Card

Our share draft checking account comes equipped with a convenient and secure EMV chip Mastercard debit card. Use it for all your purchases from restaurants and gas stations to department stores and dry cleaners. It’s faster and safer than writing a check.

Our debit card also acts as an ATM card. Use it for instant cash at all ATMs displaying the CO-OP and NYCE network logos. Plus, you can get cashback from merchants during a transaction – just select debit and enter your PIN.

Debit Payment Types

Credit – Sign for purchases
To ensure your purchase is protected, tell the cashier you want to sign for your purchase. Or, if there’s a PIN pad, swipe your card, press “credit” and sign. There’s no need to enter your PIN. NOTE: For many purchases of $25 or less you may not be asked to sign the receipt or enter your PIN.

Debit – use PIN for cash back
If you want cash back (at certain merchants), simply tell the cashier how much or, if there’s a PIN pad, swipe your card, press “debit” and enter your PIN.

Regardless of the payment type, the transaction amount is deducted from your checking account. Every transaction is detailed on your online account history and on your monthly statement.


For your protection, Wellness Federal Credit Union has established daily transaction limits as follows:

  • up to a maximum of $1,500 per day from an ATM, if there are sufficient funds in your account.
  • up to a maximum of $3,000.00 purchase from Point-of-Sale (POS) pin-based terminals per day, if there are sufficient funds in your account.
  • up to a maximum of $5,000 purchase per day, if there are sufficient funds in your account.
Speak to a representative to order a card today.

Our online Bill Payer service allows you to:

  • pay an unlimited number of bills with ease
  • have the ability to adjust your bill paying schedule via the Internet
  • a special toll-free telephone number
  • 24/7 access to pay bills
  • set up alerts for payment dates
  • print out paid bills for tax preparation
  • There is NO FEE for CUPayMate, if you have Direct Deposit with us. Otherwise the first month is free, with a $7 monthly fee thereafter.

To qualify for No Monthly fees you must have one or more of the following:

  • Have Direct Deposit of your payroll
  • Maintain a $600 minimum in your checking/share draft account
  • Money Market and minimum is $1,000


Automated Phone Service

TeleSTAT: Our automated telephone service lets you:

  • make a transfer between your shared accounts
  • make a loan payment
  • request a line of credit if established on your account
Call today at (860)547-0027 press 1

To sign up for a WFCU Checking/Share Draft account and/or a WFCU ATM/ MasterCard Debit Card, call WFCU at

(860) 547-0027 press 2. 

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