Why pay fees when you don't have to?

WFCU has checking account options for everyone.

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  Preferred Ultimate Premier
Access to nationwide surcharge-free ATMs ✔︎ ✔︎ ✔︎
Free Online and Mobile Banking ✔︎ ✔︎ ✔︎
Free Mobile Check Deposit ✔︎ ✔︎ ✔︎
Free Bill Pay ✔︎ ✔︎ ✔︎
Free Alerts and Notifications ✔︎ ✔︎ ✔︎
Free Chip-Enabled Visa Debit Card ✔︎ ✔︎ ✔︎
Overdraft Protection* ✔︎ ✔︎ ✔︎
Zero Liability for unauthorized debit card charges ✔︎ ✔︎ ✔︎
Dividends earned on daily balances over $1,500** ✔︎ ✔︎ ✔︎
Minimum Balance None None None
Monthly Maintenance Fee $20; waived with Direct Deposit $10; waived with Direct Deposit None
Opening Deposit $25 $25 $25
Qualifications 500 credit score or below 500 to 599 credit score 600 or more credit score
*We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. For example, we typically would not authorize overdrafts if your checking account is not in good standing, if the account has not had a positive balance within the last 30 days, or if the account already has many overdrafts. The fact that we pay one of more items creating overdrafts does not obligate us to do so in the future. ** Average daily balance of $1,500 must be maintained to earn dividends.    


Wichita Federal Credit Union offers overdraft protection through a line of credit or by covering funds by making automatic withdrawals from other share accounts. This protection is discretionary and members must opt in to take advantage of  the service.  For more information on our coverage plans, email or call us at 316.941.0600.

Overdraft Protection Terms and Conditions


  • WFCU Online and WFCU Mobile are free and give you convenient access to your accounts anytime, anywhere.
  • Customize which accounts you see and how they appear when you login to your WFCU Online account.
  • Pay bills with Bill Pay, free of charge.
  • Schedule and cancel transfers, set alerts and more.
  • Access your accounts from your mobile device.

Get Electronic Access


Access your account 24/7 by phone at 800.229.3544.