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Home - Western Cooperative Credit Union

Checking Accounts

Free Checking Accounts - Your Choice of Rewards.

  • Kasasa Cash® — Free Checking that pays a really high interest rate.**
  • Kasasa Cash Back® — Earn Cash Back on everyday debit card purchases.**
  • Kasasa Tunes® — Earn iTunes®, Google Play®, and Amazon® rewards.* **
Compare Kasasa Checking Accounts
Features Kasasa Cash® Kasasa Cash Back® Kasasa Tunes®
Free Checking      
Kasasa Saver® available      
Monthly reward 4.5% APY1 paid on balances up to $10,000.
0.05% APY1 paid even when qualifications aren’t met.		 3% cash back on debit card purchases – that’s up to $7.50 each month.1 Up to $10 in refunds on iTunes®, Amazon® and Google Play® purchases each month.1
Refunds on ATM fees, nationwide1 Up to $25 per month1 Up to $25 per month1 Up to $25 per month1
No minimum balance to earn rewards      
No monthly service fees      
Free debit card & online access.       
Unlimited checking      
Kasasa Protect™ available      
Minimum deposit to open2 $0 $0 $0

Free Checking. Awesome Rewards!
NATIONWIDE ATM REFUNDS, when qualifications are met!**

It's Easy to Earn Your Rewards...

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log our online services at least 1 time per month.
  • Sign up and receive WCCU E-Statements

Please contact a WCCU team member today to enroll!

KASASA DISCLOSURES:

Bonus Information:

As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $ 20 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 5 calendar days after your account is opened.

This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account.

No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account.

Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.

Qualification Information:

The following transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle:

-At least 12 debit card purchases

-Be enrolled in and log into NetTeller or our WCCU Mobile App at least 1 time per month.

-Sign up and receive WCCU E-Statements

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through the day before the last business day of the month.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: average daily balances up to and including $10,000 receive an APY of 4.5%; and average daily balances over $10,000 earn a dividend rate of .25% on the portion of the average daily balance over $10,000, resulting in a range from 4.5% to 0.64% APY depending on the account's average daily balance.

Kasasa Cash Back: you will receive 3.00% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle. Kasasa Tunes: you will receive up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 5 days after the Monthly Qualification Cycle in which you qualified ends.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty- (60) calendar days of the withdrawal transaction

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and:

Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 04/01/2018.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-on(s), and other requirements apply.

No minimum deposit is required to open the account.

Receiving a monthly e-statement is a condition(s)] of Kasasa Cash, Kasasa Cash Back or Kasasa Tunes accounts.

There are no recurring monthly maintenance charges or fees to open or close this account.

A linked Kasasa Saver account is required for automatic savings.

Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions.

Federally insured by NCUA

Trademarks:

ITunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com, and Google, Inc. are not participants in or sponsors of this program.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Ask for a Higher Paying checking account. Ask for KASASA. Federally insured by NCUA. Learn More.

FREE Kasasa Cash checking: 

  • Earn really high rates, paid each month*
  • Refunds on ATMs withdrawal fees, nationwide*
  • No monthly maintenence fees, ever.
  • No minimum balance to earn your rewards.

Free Kasasa Cash checking pays:

  • 4.5% APY* on balances up to $10,000
  • 0.05% APY* even if you don't qualify
  • Plus, refunds on ATM withdrawal fees, nationwide.*

It's Easy to Earn Your Rewards...

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into our online services at least 1 time per month.
  • Sign up and receive WCCU E-Statements

Don't worry if you come up short.

Your account is always free. There is no penalty fee. Plus, you can still earn cash back and refunds on ATM withdrawal fees the next cycle you qualify!

Plus- add free Kasasa Saver, an automatic way to set cash aside! Ask a WCCU Team member today!

KASASA CASH DISCLOSURES:

Condition Information:
The member must be enrolled in and receive e-statements as a required condition for opening a Kasasa Cash Checking Account.

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards.

“Monthly Qualification Cycle" means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through the day before the last business day of the month.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Kasasa Cash account earn an interest rate of 4.41% resulting in an APY of 4.5%; and average daily balances over $10,000 earn an interest rate of .25% on the portion of the average daily balance over $10,000, resulting in a range from 4.5% to 0.64% APY depending on the account's average daily balance.

When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be .05% resulting in an annual percentage yield of .05% APY and ATM withdrawal fees are not refunded.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.
Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 07/01/2023.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
No minimum deposit is required to open the account.
There are no recurring monthly maintenance charges or fees to open or close this account.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Ask for Cash Back in your checking account. Ask for Kasasa. Federally Insured by NCUA. Learn More

FREE Kasasa Cash Back checking!

  • Earn cash back on debit card purchases*
  • Refunds on ATM withdrawal fees, nationwide.*
  • No monthly maintenence fees, ever.
  • No minimum balance to earn your rewards.

Free Kasasa Cash Back checking pays:

  • 3.00% cash back on debit card purchases*
  • Up to $7.50 cash back each month*
  • Plus, refunds on ATM withdrawal fees, nationwide.

It's Easy to Earn Your Rewards...

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each monthly qualification cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into our online services at least 1 time per month.
  • Sign up and receive WCCU E-Statements

Don't worry if you come up short.

Your account is always free. There's no penalty fee. Plus, you can still earn cash back and refunds on ATM withdrawal fees the very next cycle you qualify.

Plus- add free Kasasa Saver, an automatic way to set cash aside! Ask a WCCU Team member today!

KASASA CASH BACK DISCLOSURES:

Condition Information:

The member must be enrolled in and receive e-statements as a required condition for opening a Kasasa Cash Back Checking Account.

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

“Monthly Qualification Cycle" means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through the day before the last business day of the month.

Reward Information:

When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on up to a total of $250 debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

There are no recurring monthly maintenance charges or fees to open or close this account.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

It's free checking that funds your fun. Ask for Kasasa. Federally Insured by NCUA. Learn More.

Try FREE Kasasa Tunes Checking!

  • Earn refunds on purchases each month.*
  • Refunds on ATM withdrawal fees, nationwide.*
  • No monthly maintenence fees, ever.
  • No minimum balance to earn your rewards.

Free Kasasa Tunes Checking pays:

  • $10.00 each month towards any iTunes, Amazon.com, or GooglePlay purchases.*
  • Refunds on ATM withdrawal fees, nationwide*
  • Plus, get an extra $20 towards iTunes at signup!*

It's Easy to Earn your Rewards...

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Tunes acccount during each monthly qualifications cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into your online services at least 1 time per month.
  • Sign up and receive WCCU E-Statements

Don't worry if you come up short.

Your account is always free. There's no penalty fee. Plus, you can still earn refunds on your purchases-- Plus refunds on ATM withdrawal fees-- the very next cycle you qualify.

KASASA TUNES DISCLOSURES:

Bonus Information:

As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20 posts and settles to your account.

No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account.

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

“Monthly Qualification Cycle" means a period beginning one (1) Business Day prior to the first day of the current Statement Cycle through the day before the last business day of the month. 

Reward Information:

When your Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, you will receive up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than 5 days after the Monthly Qualification Cycle in which you qualified ends.

You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Tunes account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

iTunes, Amazon.com and Google Play purchase reimbursements and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Tunes account on the last day of the current statement cycle.

When your Kasasa Tunes account qualifications are not met, iTunes, Amazon.com and Google Play purchases and ATM withdrawal fees are not refunded.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

There are no recurring monthly maintenance charges or fees to open or close this account.
Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

Trademarks:

iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.
Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

  • No minimum balance required.
  • Duplicate checks provide immediate record of purchase. Monthly statement sent.
  • 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.

For a lost or stolen card, please call 1-800-528-2273.

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.

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