Wise Checking

Identity Theft protection and other attractive benefits make this account a great choice for everyone.

  • Monthly Fee: $5.00
  • No minimum balance
  • No minimum opening deposit
  • Includes the following additional account benefits:
    • IDProtect®1 – Identity Theft Monitoring and Resolution Service that includes 3-in-1 credit file monitoring2*, ability to request a 3-in-1 credit report every 90 days or upon receipt of a credit alert*, total identity monitoring*, ID theft resolution services, and up to $10,000 in identity theft expense reimbursement3.
    • Cell Phone Protection3 with up to $400 of repair or replacement cost. (Cellular telephone bill must be paid with Wise Checking account.)
    • Accidental Death & Dismemberment Insurance3
    • Debit Advantage®3 – Buyer’s Protection and Extended Warranty3 (Item(s) must be purchased in full with Wise Checking account)
    • Travel & Leisure Discounts*
    • $hopping Rewards™*
    • Health Discount Savings4*

    *Registration/activation required

  • Unlimited Check Writing
  • 1 Complimentary box of checks per year (Age 55 and up)
  • 1 Complimentary Official Check or Money Order per month
  • .10% Share Certificate rate bump (After checking is open for 90 days)
  • Courtesy Pay or Overdraft Protection (Eligibility Required)
  • Card Controls via your smart phone
  • 24/7 Access to your Account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to Visa Check/Debit Card
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide

1IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.

2Credit file monitoring from Experian and TransUnion will take several days to begin following activation.

3Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and/or insurance document provided at account opening.

4This is NOT insurance.

Insurance Products are not insured by the NCUA or any Federal Government Agency;

not a deposit of or guaranteed by the credit union or any credit union affiliate.

 Basic Checking

  • No Monthly Fee
  • No minimum balance
  • No minimum opening deposit
  • eStatements Required (Paper statemetns available for $3/month)
  • Access to Visa Check/Debit Card
  • Unlimited Check Writing
  • Card Controls via your smart phone
  • 24/7 Access to your Account
  • Access to Home Banking
  • Access to Bill Payer service
  • Access to Audio Teller
  • Access to over 30,000 Co-Op ATMs nationwide
  • Access to over 5,000 CU Service Centers nationwide
  • Courtesy Pay or Overdraft Protection (Eligibility Required)
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