Share Draft Checking Account Services

Have you ever calculated the cost of your checking account? Between monthly fees, minimum balance penalties, per-check fees, and charges for using your debit card, the cost adds up quickly.

We know switching accounts is not easy, so let us make managing money simple. 

WFCU Share Draft Checking

No minimum balance, no per-check fees, and MasterCard Debit advantages. We can help you switch your account over to a Wheatland FCU checking account, even if you have automatic payments coming from another account, we are here to help with the transition.

Benefits Include:

• Online Check Images & e-Statements
• Online Account Access
• Pay Your Bills Online
• No Minimum Balance Requirements or Penalties
• No Per-Check Fee
• Debit Cards
• No sur-charge ATM & Co-op Shared Branch access nationwide

WFCU Secure Checking

Secure your peace of mind. It’s one of the most important benefits a financial institution can provide. With unrivaled security and smart savings, Secure Checking makes it easier to protect your finances, save money on everyday purchases and enjoy your life. It’s a simple and affordable way to secure your peace of mind and stretch your budget.

Add extra security to your WFCU Share Draft Checking with more benefits for a small monthly fee of $4.00.

IDProtect®¹

• Identity theft monitoring and resolution service for you, and your joint account holders.
• Includes Credit File Monitoring², Credit Report, Identity Theft Expense Reimbursement Coverage, and Resolution Service.      

Debit Advantage®

• Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.
• Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. Item(s) must be purchased entirely with an eligible account.

Travel and Leisure Discounts

•  Redeem and print coupons online.
•  Access discounts from your mobile device.
•  Local and national discounts such as: hotels, restaurants, rental cars, museums, florists, sporting events, dry cleaners and more (Registration/enrollment required. Available online only.).

Cellular Telephone Protection

•  Cellular telephone bill must be paid using an eligible account.
•  Covers first three phones listed on the cellular phone bill.
•  Covers damage or theft.
•  Up to two claims per year.
•  Up to $300 per claim.
•  $50 deductible per claim.

$hopping Rewards™

•  Access to exclusive offers and discounts at thousands of leading online retailers.
•  Shop online using our customized shopping portal and receive cash back.
•  Cash back will be held in your Shopping Rewards account to use towards future purchases – or conveniently sent to you as a check.

*WFCU Secure Checking Program Notes:  The WFCU Secure Checking Program Account Monthly Service Charge is $4.00.  The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the benefits described.  Members will register and activate these services after checking account opening.  Services and features offered include IDProtect®, Cellular Telephone Protection, Debit Advantage®, Travel and Leisure Discount Membership, and Shopping Rewards™ and may be subject to change. When registering for *WFCU Secure Checking Program services and features, all terms, conditions, and exclusions will be provided. Selection of each individual service or feature is optional.  The member will refer to the Guide to Benefits and/or insurance documents for complete details of coverage and exclusions.  Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance.  Insurance products are not insured by NCUA or any Federal Government Agency.  They are not a deposit of or guaranteed by the Credit Union. 

¹ IDProtect® is a personal identity theft protection service available to personal checking account owners(s) and their joint account owners.  The service is not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations, or churches and their respective members, or schools and their employees/students.  ² Credit file monitoring may take several days to begin following activation.

For more information on WFCU Secure Checking call 717-898-7673 or Secure Checking Website.

Wheatland Fund Interest Checking

Interest on this account will accrue daily and will be posted to the account monthly. Dividends begin to accrue on the business day you make the deposit to your account. The minimum to earn interest on this account is $5000. The balance shown in the following table will accrue interest at the corresponding interest rate and Annual Percentage Yield (APY) shown.  A monthly maintenance fee of $10 will be applied if, during the statement cycle, the daily balance falls below $5000. There is no limit to the number of checks or other withdrawals from this account. Checks used to access this account must be purchased from the credit union.

Fresh Start Checking

WFCU’s second chance checking account provides you a fresh start. Fresh Start Checking  is offered to eligible members who do not qualify for a WFCU Share Draft Checking account due to past credit or negative checking account history as reported to Efunds/Chexsystems and other credit reporting agencies.  

Terms & Conditions

• No member on the account will have caused WFCU any monetary loss or charged off funds. 
• No member on the account will have more than 2 closures at other financial institutions within the last 3 years or a total of $500.00 in unpaid closures within the last 3 years reported on the Efunds/Chexsystems report. 
• Applicants who have been reported to a credit agency for fraud will not be eligible for Fresh Start Checking. 
• Applicants must me a member of Wheatland FCU in good standing for a minimum of 6 months and have a direct deposit established for at least 90 days prior to applying for this service. 
• A one-time Account Opening fee of $10.00 will be charged and a minimum balance of $50.00 must be maintained. 
• A debit card may be issued with a withdrawal/purchase limit of $150.00 per day. ATM deposits will not be permitted. 
• Member may utilize WFCU’s Personal Branch Services. 
• Member may apply for a regular checking account after (1) one year if the Fresh Start Checking has been in good standing for that time period.
• A fee of $25.00 will be charged if the account fall below the minimum required balance at any time. 
• If the account, at any time, goes into a negative status or is charged with an NSF item, the account will be closed immediately. 
• All other WFCU Share Draft Checking fees will apply as referenced in the All Star Rewards Program fee schedule. 

WFCU Share Draft Overdraft Protection Privilege Service

This is an automatic service that will transfer funds if a check cannot be paid. Funds may be transferred from a savings account you have with WFCU, or from your Personal Line of Credit or Flexline loan before being returned for insufficient funds. 

WFCU Courtesy Pay Overdraft Program

Courtesy Pay is an overdraft protection service added to your share draft checking account. It allows the credit union to pay an item presented against a qualified checking account, even if it causes the account to become overdrawn, up to a maximum of $500.00 (including any fee that is charged for the service). Courtesy Pay will pay items that may otherwise be returned because of insufficient funds. Restrictions and limits apply. 

WFCU ATM Card

Our ATM card is designed for members wanting 24/7 access to their share savings funds. The ATM card only accesses your Share Savings Account. WFCU’s ATM card can be used at any ATM machine that is part of the ACCEL and STAR networks. All withdrawals using an ATM card are immediately deducted from your account. Find no-surcharge ATMs. If your ATM card is lost or stolen, call 1-800-472-3272 to cancel your card right away. *Maximum cash withdrawal is $500.00 per business day. 

WFCU Mastercard Debit Card

Simplified budgeting for busy lifestyles. Using a debit Mastercard is a convenient way to manage your finances because funds are deducted directly from your checking account. Having an electronic record of every transaction can be a real time-saver and makes keeping track of what you spend a snap. If your MasterCard debit card is lost or stolen, call 1-800-472-3272 to cancel your card right away.

• Convenience – Your Debit Mastercard is accepted at millions of merchant locations worldwide, including restaurants, hotels and online retailers. You can even use debit Mastercard to automatically pay monthly bills.
• Protection wherever you shop – Whether you use debit Mastercard to shop online, by phone or in a store, every purchase is backed by Zero Liability protection. That means you won’t be held responsible if someone makes unauthorized purchases with your card.
• Mastercard Global Service – Receive around-the-clock customer service assistance with lost and stolen card reporting, emergency card replacement and emergency cash advance as well as assistance with locating ATMs and help with card-related questions.

Please see our All-Star Rewards Program for more details.

*Maximum cash withdrawal is $500.00 per business day from either your regular Share Savings Account or your Share Draft Checking Accounts. Money can be transferred between your regular Share Savings Account and your Share Draft Checking Accounts. Find no-surcharge ATMs.

Unauthorized Purchases & Stolen Cards Info

If you have encountered unauthorized purchases on your ATM/Debit Card, please fill out the Fraud Dispute Form and send your completed and signed form to Card Services by email at teller@wheatlandcu.com , by fax at 717-898-9658, or by stopping by one of our office locations.  Have questions? Please call 717-898-7673 x139.

If your ATM/Debit cards are lost or stolen, call 1-800-472-3272 to cancel your card right away. Call Wheatland Federal Credit Union directly the next business day for a new card to be issued.