Free Checking
Checking Accounts
It’s worth the trouble to switch! We promise!
Get full-service checking and worldwide access to your accounts. Wymar FCU provides members with a variety of checking options to choose from, including Classic, High Interest, and Cashback.
Replace the existing checking account comparison table with this one:
Checking Account Comparison Table
| Checking Type | Classic | Cash Back* | High Interest* |
|---|---|---|---|
| Opening Deposit | $25 | $25 | $100 |
| Minimum Balance to Earn Dividends | $0.01 | $0.01 | $0.01 |
| E-Statements Required to Earn Bonus Dividends | No | Yes | Yes |
| # ACH Transactions Required Per Month | 0 | 1 | 1 |
| Earns Monthly Dividends | Yes | Yes | Yes |
| Earns Bonus Dividends When Qualifications are Met | No | Yes | Yes |
| Transaction Limits | None | None | None |
| Cost for Overdraft Transfers | Free | Free | Free |
| Monthly Foreign ATM Rebates Available | $20 | $20 | $20 |
| Monthly Fee | None | None | None |
| Impressive Fraud Protection | Yes | Yes | Yes |
| Online Banking Login Required to Earn Bonus Dividends | No | Once Per Month | Once Per Month |
| Who Fits This Account Best? | Members who don't meet the bonus qualifications but still want a great free checking account | Members who meet bonus qualifications & maintain a monthly average balance over $3,000 | Members who meet the bonus qualifications and keep a balance of $3,000 or less |
*Visit our rate page for complete details
Overdraft Protection*
For those times when your checking account is short, and you accidentally cause an overdraft, Wymar FCU has two options to cover the gap:
Overdraft Transfer – No Charge!
Funds are transferred from the savings account(s) of your choice
Limited to the amount in the transfer account; will only transfer what is available
Link any account you’re an owner on, including cross-member transfers
Transactions covered include checks, debit transactions, ACH debits
Overdraft Line of Credit – No Charge!
This open-end loan allows you to borrow up to $1,000 to cover any unexpected overdrafts on your checking account.
You only pay interest on the amount actually borrowed.
Payments go toward principal and interest and are based on your credit limit, not what you owe.
The payment is $3.00 per $100 of the approved credit limit.
*We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.