Checking Accounts

Checking accounts that fit your spending style.

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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.

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Compare & find the best account for you. First Class Checking High-Yield Checking

Overview

For members looking to maximize Member Rewards points

For members looking to maximize dividend earnings

Annual Percentage Yield (APY)

0.05%

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

None

None

Box of Checks

First box free

First box free

Bill Payer Service

Free**

Free**

ATM Access

70,000+ ATMs

70,000+ ATMs

Member Rewards Eligible

Yes

No

  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.

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*Rates effective as of March 18, 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%.

RATE REQUIREMENTS
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

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