Checking Accounts

For a lost or stolen card, please call 1-866-662-8095.

Basic Checking

  • No minimum balance required.
  • Duplicate checks provide immediate record of purchase. Monthly statement sent.
  • No service charges.
  • Can access account with a WCCU Cash and Check Card.
  • Direct Deposit is available.
  • Choose from several styles of reasonably priced checks. Personalize for your business or hobby.
  • Overdraft protection is available by utilizing your Flexible Shares account or qualifying for a Checking Reserve line of credit.

WCCU Cash and Check Card

The Convenience of Plastic, The Benefits of Cash!

The WCCU Cash and Check Card works just like your checkbook only it's faster, easier and more convenient than writing a check. Your card will look like a credit card but works like your check because the purchase amount is automatically deducted from your checking account.

  • Monthly statement details card activity.
  • Foreign transactions under limited circumstances - contact a credit union representative for details.
  • The WCCU Cash and Check Card can be used for withdrawals and transfers at ATMs.
  • Access available 24-hours-a-day.
  • The card can only be used with a Personal Identification Number (PIN).
  • Must have a checking account to have a card.

For a lost or stolen card, please call 1-866-662-8095.

 

Funds Availability Policy Disclosure

This disclosure describes your ability to withdraw funds at Western Cooperative Credit Union. It only applies to the availability of funds in transaction accounts. The credit union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question, about which accounts are affected by this policy.

1. GENERAL POLICY - Our policy is to make funds from your cash and check deposits available to you on the next business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, everyday is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cutoff hours for different deposit locations.  The earliest cutoff time that might apply is 4:00 pm.  If you make a deposit before our cutoff hour on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit after our cutoff hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open  Our cutoff hours are available at the Credit Union. 

2. RESERVATION OF RIGHT TO HOLD - In some cases, we will not make all of the funds that you deposit by check available to you on the next business day that we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225.00 of your deposit will be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the next business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

3. HOLDS ON OTHER FUNDS - If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

4. LONGER DELAYS MAY APPLY – We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

  • We believe the check you deposit will not be paid
  • You deposit checks totaling more than $5,525 on any one (1) day.
  • You deposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six (6) months.
  • There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

5. SPECIAL RULES FOR NEW ACCOUNTS – If you are a new member, the following special rules will apply during the first 30 days your account is open.

Funds from electronic deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfer, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

6. DEPOSITS AT NONPROPRIETARY ATMS - Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply to ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

7. FOREIGN CHECKS - Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institution upon which it is drawn.