Checking accounts

Checking accounts that fit your spending style.

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Find the checking account that’s right for you.

Whether you're looking for a simple banking experience or to increase your dividend earning potential, there's a checking account that's perfect for you.

Free ATM Withdrawals¹

Access our network of more than 80,000 surcharge-free ATMs.

Digital Banking

Keep track of your finances with digital banking.

Contactless Enabled Cards

Enjoy a faster, easier and secure way of paying.

Compare & find the best account for you.

	Everyday Checking	High-Yield Checking	Student Spend Account
Overview	For members looking for everyday simplicity	For members looking to maximize dividend earnings	A cash management account for students that offers flexibility and education
Annual Percentage Yield (APY)	0.01%	If requirements are met²: On the first $25,000 3.04% Amounts over $25,000 0.01% - 3.04% If requirements are not met: 0.01%	0.01%
Monthly Service Fees	Must enroll in eDocuments; otherwise, a $3.00 paper statement fee applies	Must enroll in eDocuments; otherwise, a $3.00 paper statement fee applies	Must enroll in eDocuments; otherwise, a $3.00 paper statement fee applies
Box of Checks	First box free³	First box free³	None
Bill Payer Service	Free	Free	Free
ATM Access¹	80,000+ surcharge-free ATMs	80,000+ surcharge-free ATMs	80,000+ surcharge-free ATMs

¹Members can make up to 5 free withdrawals at ATMs not owned by Wings per statement cycle; then, a $2.50 fee per transaction will apply.

²RATE REQUIREMENTS
To earn the higher dividend rate, members must meet the following requirements:
- Must be enrolled in eDocuments
- Must have ACH direct deposit(s) totaling $1,000 or more in the 34 calendar days preceding the last day of the month
- Must have 15 net PIN or signature point-of-sale debit or credit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 on a Wings debit or credit card and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

³The first box of checks is free (shipping not included) and must be ordered by phone or in person. Future orders may be ordered online. This offer does not affect Wings' current policy of waiving the check printing fees (one box per year; shipping not included) for members age 65 and over.

Rates effective as of November 21, 2024 and subject to change.
Fees may reduce earnings.
Membership with a $5.00 minimum opening deposit required.

A layer of protection for your account. Standard.

Overdraft Protection uses available funds from a linked account to cover your transactions if you don’t have enough money in your checking account.

In the case that an overdraft occurs, a transfer takes place once per day to bring the checking account to a positive balance. Overdraft Protection is automatically set up from your Share Savings account. You can also add a line of credit, another checking account, Money Manager, and/or additional savings accounts, up to a total of four accounts, as Overdraft Protection.

In addition, Overdraft Protection Plus offers an extra layer of protection in the case that Overdraft Protection is insufficient for your needs.⁴ (Opt-in required. A fee will apply if this service is used. ODP+ Agreement and Disclosure.)

Add Additional Accounts as Overdraft Protection

⁴Not eligible on Student Spend Account.

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Secure your account with the press of a button.

Card lost or stolen? No problem. With card controls you can:

- Report Card Lost or Stolen: Cards reported lost can be reactivated within 90 days. Stolen cards will be disabled and marked as stolen instantaneously.
- Turn Card Off/On: Prevent your card from being used for any types of transactions.
- Order a New Debit or Credit Card: Allows you to easily request a new card after reporting it lost/stolen.
- Setup Travel Notifications: Prevent your card from being disabled when traveling.

Learn about Card Controls

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Surcharge-free cash, security and convenience.

With the Wings Visa® Debit card, you’ll enjoy convenient cash access at more than 80,000 surcharge-free ATMs nationwide and secure, contactless purchasing power everywhere Visa is accepted. Plus, card controls make it easy to control travel notifications, turn your card on/off and more.

Learn More About Wings Debit Cards

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Take the next step forward, together.

Wings is a not-for-profit institution dedicated to the well-being of our members, right now and into the future. Get started today, and we’ll help you start planning what’s next.

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Checking accounts