Checking Accounts to
Power Your Daily Life
Take control of your finances with a checking account built for you. We pair digital tools with the dedicated personal service you can only find at Wheatland.
Simple, Straightforward Checking
Our regular share draft checking accounts offer all the tools you need without the fees.
Account Benefits & Features
- No minimum balance requirements
- No per-check fee
- e-Statements
- Debit cards
- View check images, pay bills, and track spending with Online Banking
- No-surcharge ATM access through the CU$ network
- CO-OP Shared Branch access nationwide
- Visit any of our branches to open your account today.
Secure Checking – Protection for Modern Life
Our Secure Checking account offers a robust safety net for your funds, alongside everyday savings that help you get more out of your budget. It’s professional protection delivered with the personal care you deserve.
Account Benefits & Features
Identity Theft Protection
Includes IDProtect®¹, featuring credit file monitoring², credit reports, and identity theft expense reimbursement to keep your peace of mind intact.
Debit Advantage®
Utilize Buyer’s Protection against accidental breakage or theft for 90 days, plus Extended Warranty coverage that adds up to a full year to the manufacturer’s original warranty.
Cellular Telephone Protection
Receive up to $300 per claim (up to two claims per year) for damage or theft when you pay your monthly bill through your Secure Checking account.
$hopping Rewards™
Earn cash back while shopping at thousands of leading online retailers through a customized portal. Cash back can either be held in your Shopping Rewards account to use towards future purchases or conveniently sent to you as a check.
Travel and Leisure Discounts
Access exclusive local and national discounts on hotels, dining, and much more right from your mobile device. Coupons can be printed or redeemed online.
Ready to get started?
Visit any WFCU branch and we’ll help you set up your account and activate your new benefits.
Already have a Secure Checking account?
*Secure Checking Program Notes: Monthly service fee 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 the 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 owner(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.
Wheatland Fund Checking – Earn More
Put your money to work with an account designed to grow as you do. This tiered checking option rewards higher balances with competitive dividends while giving you full, flexible access to your funds.
Earn More
Dividends accrue daily and are posted monthly. You’ll start earning as soon as you deposit $5,000 or more.
No Transaction Limits
Make as many deposits or withdrawals as you need. There is no limit on your account activity.
Simple Maintenance
Keep a daily balance of $5,000 to waive the $10 monthly maintenance fee.
Dividend Tiers
| Daily Balance | Dividends |
| $0 – $4,999.99 | 0% |
| $5,000 – $9,999.99 | 0.20% APY |
| $10,000 – $249,999.99 | 0.25% APY |
| $250,000 + | 0.5% APY |
Check our Truth-in-Savings disclosure for current APY.
To ensure security and compatibility, checks for this account must be purchased directly through the credit union.
Want to learn more about this account?
We’re happy to help. Give us a call at 717-898-7673, option 2 or send us a message.
Second Chance Checking – Get a Fresh Start
Everyone deserves a path to financial success. Fresh Start Checking is designed for members who have faced past credit or checking challenges and are ready to rebuild a positive financial history.
How it Works
Rebuild with Confidence
After just one year of maintaining your account in good standing, you’re eligible to apply for a regular WFCU checking account.
Daily Access
Receive a debit card with a $150 daily limit for your essential purchases and withdrawals.
Digital Service
Stay connected with full access to WFCU’s Online Banking services.
Is This Account Right for You?
To qualify for Fresh Start Checking, you’ll need to meet the following criteria:
- Membership: You’ve been a member in good standing for at least 6 months.
- Direct Deposit: You have had a consistent direct deposit established for at least 90 days.
- Clear History: No past monetary losses with WFCU or reports of fraud with any credit agency.
Recent Activity: No more than two closures (or $500 in unpaid closures) at other institutions in the last 3 years.
Account Details
Please review these requirements to ensure your account stays active and fee-free.
Opening Fee: One-time $10 account opening fee
Minimum Balance: $50 minimum balance is required. To avoid a $25 fee, please ensure your balance does not fall below this amount at any time.
Deposits: No ATM deposits are allowed on this account.
Account Standing: Accounts that reach a negative status or are charged with a non-sufficient funds (NSF) item are subject to fees and immediate closure.
All other WFCU Checking fees apply as referenced in the Level Up Rewards fee schedule.
Credit and checking history are verified against eFunds / Chexsystems reports during the application process.
Want to know if you qualify for a Fresh Start Checking?
Contact our Member Services team at 717-898-7673, option 2 or send us a message.
Ready to Open Your Account?
To make things as smooth as possible when you visit, please have the following items ready.
For Each Person on the Account:
Every owner or signer must provide their own:
- Valid photo ID
- Second form of identification (a social security card, birth certificate, vehicle registration, or insurance card)
- Social Security Number
- Proof of Address (if not on your ID, a current utility bill works perfectly)
For the Account (One-time only):
Only one set of opening funds is required per account:
- $5 deposit: To open your required savings account
- $10 membership fee: ($1 for members under 18)
Any Additional Funds you’d like to deposit into the account
Schedule an appointment or visit us at any of our branch locations.
Overdraft Services
An overdraft occurs when you do not have enough available funds in your account to cover a transaction.
What is “Available Balance”? This is your total balance minus any holds on deposits or pending debit card authorizations.
Wheatland offers two optional services to help manage these situations.
If you choose not to use these services:
- Checks/ACH Payments: Items will be returned unpaid and are subject to a $40.00 NSF fee.
- Debit Card Purchases: The transaction may simply be declined.
Note: Whether an overdraft is paid is discretionary. We typically do not pay overdrafts if an account is not in good standing, lacks regular deposits, or has frequent overdrafts.
Overdraft Protection Privilege
This service automatically transfers funds from a linked savings account, Personal Line of Credit, or Flexline loan to cover a transaction.
How it works: You designate a backup account. If your checking balance is too low, we transfer exactly what is needed to cover the item.
Cost: A transfer fee of $0.00 – $5.00 (based on your account tier) is charged for each item covered.
Courtesy Pay Overdraft Program
Courtesy Pay is a discretionary service where we may approve items even if your checking and linked protection accounts have insufficient funds.
- What it covers: Checks, electronic payments (ACH), and both recurring and one-time debit card transactions.
- How it works: Your account will go negative to cover the item plus a $40.00 fee per item.
- Limits: We may authorize transactions up to your tier limit ($500, $250, or $100). Items exceeding this limit will be returned unpaid with a $40.00 NSF fee.
- Repayment: You must return your account to a positive balance within 15 days.
Failure to bring the account positive within 15 days will result in account closure, reporting to consumer agencies, and collection efforts.
Need to Set Up Overdraft Protection?
Our Member Services team is ready to help you choose the right fit for your budget. Give us a call at 717-898-7673, option 2 or send us a message.
Common Questions
The primary account holder can enroll via our website. Simply go to our Homepage and select the “Enroll” link in the Online Banking log in box. Follow the prompts to connect to your account and set your login credentials.
Joint account holders can obtain their own login credentials by calling our member services team at 717-898-7673 during business hours. You can also email our member services department at wfcumembers@wheatlandcu.com for more information.
Forgot your Security Code? If you know your Logon ID, you can select Forgot Security Code to receive a link to securely reset your security code.
Forgot your Logon ID? Call our Member Services team at 717-898-7673 during business hours for assistance.
- Login IDs must consist of 6 – 50 alpha numeric characters
- Security codes must be 12 – 16 characters and include: an uppercase and lowercase letter, numbers, and at least one of the following special characters: ! @ # $ % ^ & *
Please Note: You accept responsibility for periodically changing your logon ID and protecting the integrity of your credentials to prevent unauthorized transactions and account access. Granting access to your online account to any non-owner will make you financially liable for all losses or misuse of your account(s).
You must have an active WFCU checking account and be registered for online banking. Log in to your online banking account, select the “Bill Pay” option, and follow the prompts to set up a recurring payment.
Electronic copies of tax documents are available in the e-statements section of WFCU’s Virtual Branch. Not enrolled in e-statements? We’ll mail your tax forms to your address on file by January 31.
Every member who has an online banking account with our Virtual Branch can register for e-statements.
- Open your internet browser and go to wheatlandcu.com
- Login to online banking
- Look for the hyperlink for e-statements
- Follow the prompts to register
Don’t have an online banking account with us? Enroll today!
Related Links
Blog Article
Why You Should Check Your Credit
Products & Services
ATM & Debit Cards
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