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First Class Checking

Get everyday simplicity, plus dividends, with a First Class Checking account.

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Unlock everyday simplicity and unmatched convenience.

The Wings First Class Checking account is a simplified checking account with no minimum balance requirements, so you can enjoy exceptional checking benefits and easy access from anywhere.

Digital Banking

Keep track of your finances with CU Online and on-the-go with the Wings Mobile App
Digital Banking

Free ATM Withdrawals

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

Earn Dividends

Automatically earn dividends on your checking balances, with no minimums or monthly service fees.
Earn Dividends

First Class Checking Account Rates

First Class Checking Account Dividend Rate Annual Percentage Yield
First Class Checking Account 0.01% 0.01%

Rates effective as of September 28, 2023 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.

See All Rates

Savings & Checking Disclosure & Fee Schedule

A layer of protection for your account. Standard.

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. (Opt-in required. A fee will apply if this service is used. ODP+ Agreement and Disclosure.)

Add Additional Accounts as Overdraft Protection

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Surcharge-free cash, security and convenience.

With the Wings Visa® Debit card, you’ll enjoy convenient cash access at more than 80,000 surcharge-free ATMs nationwide and secure, contactless purchasing power everywhere Visa is accepted. Plus, Manage My Cards makes it easy to control travel notifications, turn your card on/off and more.

Learn More About Wings Debit Cards

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Got your phone? You've got your card.

Forgot your wallet? No problem. Adding your Wings Visa®debit or credit card to your mobile wallet allows you to make payments anywhere VIsa is accepted, in-person and online.

Get Started with Mobile Payments

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Common Questions About First Class Checking

View All FAQs

How can I open a Checking account?

You can open an account online by clicking the links below or at one of our branch locations.

Open a First Class Checking account
Open a High-Yield Checking account
Open a Student Spend Checking account

Our team is here to help.

Click the button below to schedule an appointment or fill out the form and our team will contact you directly.

Schedule an Appointment at a Branch

Helping you reach your goals.

Get details and guidance about savings, checking, loans and more. We’ll help you take the next step forward, together.

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Credit Cards

Our three Visa® Credit Cards come with features and benefits that were built with you in mind. With lower fees, easier payment options and mobile card management options, you can choose from cards that earn points or give cash back.

Earn Rewards

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High-Yield Checking

Combine easy access to your money with the earning potential of a savings account and see why a High-Yield Checking account is perfect for you. Qualifying balances can earn higher monthly dividends to add more back to your account.

Boost your Rate

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Savings

Find the right savings account to fit your financial goals, whether you’re saving for a house or the holidays. With competitive yields and a variety of secure savings options, we can help you and your family save for the future.

Learn about Savings Options

Open a First Class Checking account at: