Lobbies of both the Centerville and Elizabethtown offices will be closed until further notice. Drive-ups at the Centerville office will remain open regular hours.


Share Draft Checking Accounts

How much does your checking account cost you?

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 – WFCU is here to help. Our knowledgeable staff can easily guide you transferring all automated debit and credit transactions to your new WFCU account.

We will make the transition as smooth as can be.

Stop paying unnecessary fees for your checking today. Call 800-527-5140 and say you are ready to SWITCH!

Benefits Include

Types of Checking Accounts

NEW! Secure Checking

Our NEW Secure Checking account has all the same basic features as our Regular Share Draft Checking but with MORE benefits and a small monthly fee of $4.00.

  • IDProtect
  • Debit Advantage
  • Cellular Telephone Protection
  • Accidental Death & Dismemberment Insurance
  • Travel & Leisure Discounts
  • Family Health Discounts
  • Shopping Rewards

For more information on Secure Checking call 717-898-7673 or Click Here for our Secure Checking Brochure.

Secure Checking Website

Share Draft Checking

No minimum balance, no per-check fees, and no charges for using your debit card. We can help you switch your account over to a Wheatland FCU checking account. Even if you have automatic payments coming from the account, we can help with that and make the transition as smooth as can be.

Wheatland Fund Interest Checking

Interest on this account will accrue on a daily basis 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.

Wheatland Fund Balance       APY
$125,001 or more                              .75%

$75,001 to $125,000                        .70%

$50,001 to $75,000                         .50%

$25,001 to $50,000                        .40%

$10,001 to $25,000                        .20%

$5,001 to $10,000                           .15%

Below $5,00                            $10 monthly fee


Fresh Start Checking

Your credit union has come up with a way to offer you a second chance with a checking account. This new checking account is offered to eligible members who have previously been reported to a credit reporting agency (including ChexSystems).


  • Bring a one-time fee of $10 to open the Fresh Start Checking and $50 to keep in as a minimum balance.
  • Checks and MasterCard Debit Card available with Fresh Start Checking.
  • Free PCU online banking, free bill payer and free 24 hour Telephone Transaction Service available.


  • Wheatland FCU savings account must be open for a minimum of 6 months.
  • Member must have direct deposit established for at least 90 days
  • A $25.00 fee will be accessed if account falls below minimum balance of $50.00.
  • Member may apply for a regular checking account after 1 year.

Standard WFCU checking fees apply. See “All-Star Rewards Brochure.”

Student Freedom Checking

This account is for our members that are between the ages of 18 and 23.  Whether you’re in high school,  college, trade school, nursing school, or technical school, this package is for you!  This package gives you freedom from high rates and fees. This account also gives you the freedom to take care of your own finances, at home or away at school. Package includes: Free membership, free ATM access, free PC and telephone banking, free Share Draft Checking with a debit card, free first order of checks, free online Bill Payer, 1/2% discount on first personal or vehicle loan, and a low interest Young Adult or College Rewards VISA Credit Card.

Related Checking Services

*See Terms and Conditions