Why pay fees when you don't have to?

WFCU has checking account options for everyone.

Compare Accounts
  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


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.