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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.
| Compare & find the best account for you. | First Class Checking | High-Yield Checking | Student Spend Account |
|---|---|---|---|
|
Overview |
For members looking to maximize Member Rewards points |
For members looking to maximize dividend earnings |
A cash management account for students that offers flexibility and education |
|
Annual Percentage Yield (APY) |
0.01% |
If requirements are met2: If requirements are not met: 0.01% |
0.01% |
|
Monthly Service Fees |
None |
None |
Must enroll in eDocuments; otherwise, a $3.00 paper statement fee applies |
|
Box of Checks |
First box free3 |
First box free3 |
None |
|
Bill Payer Service |
Free |
Free |
Free |
|
ATM Access1 |
80,000+ surcharge-free ATMs |
80,000+ surcharge-free ATMs |
80,000+ surcharge-free ATMs |
|
Member Rewards Eligible |
Yes |
No |
Yes |
| First Class Checking Details | High-Yield Checking Details | Student Account Details |
1Members can make up to 10 free withdrawals at ATMs not owned by Wings per statement cycle; then, a $2.50 fee per transaction will apply.
2RATE 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 business 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.
3The 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.
Rates effective as of August 1, 2022 and subject to change.
Membership with a $5.00 minimum opening deposit required.
Overdraft Protection uses available funds from a linked account to cover your transactions if you don’t have enough money in your checking account.
In the case that an overdraft occurs, a transfer takes place once per day to bring the checking account to a positive balance. Overdraft Protection is automatically set up from your Share Savings account. You can also add a line of credit, another checking account, Money Manager, and/or additional savings accounts, up to a total of four accounts, as Overdraft Protection.
In addition, Overdraft Protection Plus offers an extra layer of protection in the case that Overdraft Protection is insufficient for your needs.4 (Opt-in required. A fee will apply if this service is used. ODP+ Agreement and Disclosure.)
4Not eligible on Student Spend Account.
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.
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.
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.
