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Checking accounts that fit your spending style.
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    Become a member of free checking that puts an extra $300 in your wallet

    As a new member, if you open either a First Class Checking or High-Yield Checking† account and meet the requirements below, you’ll receive a $300 deposit!

    $300 Checking Requirements:

    - Must be a new member (cannot have been a member within 12 months)
    - 18 years or older
    - Enroll in eDocuments
    - Set up recurring ACH direct deposit and have at least $300 (cumulative) in deposits
    -Five net (5) debit card transactions of $5+

    Promo Code: 300CHECKING

    Get Started Today


    Account must be opened in-branch or online using promo code between 10/19/20-12/31/20. Membership with a Share Savings account & $5 minimum opening deposit required. New members only; cannot have been a member within 12 months of account opening. Must be 18 years or older. Personal accounts only. One offer per person.
    Bonus requirements: ACH direct deposit(s) of at least $300, eDocuments enrollment & five debit card transactions of $5+ each. Must be completed within 60 days of account opening. If requirements are met, bonus will be paid by 2/12/2021 as a Wings checking deposit; account must be in good standing and have active direct deposit at time of payment. Current Annual Percentage Yield (APY) is 0.05% for First Class Checking; 0.05%-1.76% for High-Yield Checking. Rates are variable and subject to change.
    †High-Yield Checking requirements to earn higher rate (balances up to $25,000): ACH direct deposit(s) of at least $300, eDocuments enrollment & 15 net PIN or signature-based debit transactions over $5 in the 34 calendar days preceding the last day of the month.

    Find the checking account that’s right for you.

    Whether you're looking for a simple banking experience or to increase your dividend earning potential, there's a checking account that's perfect for you.

    Free ATM Withdrawals

    Access our network of more than 80,000 surcharge free ATMs.

    Digital Banking

    Keep track of your finances online with CU Online and on the go with the Wings Mobile App.

    Contactless Enabled Cards

    Enjoy a faster, easier and secure way of paying.
    Compare & find the best account for you. First Class Checking High-Yield Checking


    For members looking to maximize Member Rewards points

    For members looking to maximize dividend earnings

    Annual Percentage Yield (APY)


    If requirements are met:
    On the first $25,000* 1.76%
    Amounts over $25,000 0.05%

    If requirements are  not met:
    On the first $25,000 0.05%

    Monthly Service Fees



    Box of Checks

    First box free

    First box free

    Bill Payer Service



    ATM Access

    70,000+ ATMs

    70,000+ ATMs

    Member Rewards Eligible



      First Class Checking Details High-Yield Checking Details

    Secure your account with the press of a button.

    Card lost or stolen? No problem. With Manage My Cards you can:

    - Report Card Lost or Stolen: Cards reported lost can be reactivated within 90 days. Stolen cards will be disabled and marked as stolen instantaneously.
    - Turn Card Off/On: Prevent your card from being used for any types of transactions.
    - Order a New Debit or Credit Card: Allows you to easily request a new card after reporting it lost/stolen.
    - Setup Travel Notifications: Prevent your card from being disabled when traveling.

    Learn about Manage My Cards

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    Real life adds up. Get rewarded for it.

    Earn points on signature-based purchases, then redeem them for rewards that match your life – from gift cards, name-brand merchandise, travel or even directly with some of your favorite online retailers.

    Start Earning with Member Rewards

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    Take the next step forward, together.

    Wings Financial is a not-for-profit institution dedicated to the well-being of our members, right now and into the future. Get started today, and we’ll help you start planning what’s next.

    Become a Member

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    *Rates effective as of October 28, 2020 and subject to change.

    Balance Rate1 Annual Percentage Yield (APY)
    If requirements are met:    
    $0 - 25,000.00 1.75% 1.76%
    $25,000.01+1 0.05% 0.05% - 1.76%
    If requirements are not met: 0.05% 0.05%

    1If rate requirements are met, the APY will vary based on the balance in the account. The rate paid on balances up to $25,000 will be 2.00% and the rate paid on balances over $25,000 will be 0.05%.

    To earn the higher dividend rate, members must meet the following requirements:

    - Must be enrolled in eDocuments
    - Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month
    - Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

    † The first box of checks is free (shipping not included) and must be ordered by phone or in person. Future orders may be ordered online. This offer does not affect Wings' current policy of waiving the check printing fees (one box per year; shipping not included) for members age 65 and over.

    **Bill Payer is free when you make 3 payments per month. If you make fewer than 3 payments in a single month, a $5.95 fee will apply.

    Membership with a $5.00 minimum opening deposit required.

    Savings & Checking Disclosure & Fee Schedule