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Checking Rates

Checking accounts that fit your spending style.

Free checking with great benefits.
Choose between High-Yield and First Class Checking.

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Checking Rates

Whether you're looking for a simple banking experience or to increase your dividend earning potential, Wings has a checking account that's perfect for you. View our current checking account rates.

Checking & Savings Disclosure & Fee Schedule

First Class Checking Account

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

Rates effective as of February 21, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.

High-Yield Checking Account

If Requirements are Met Dividend Rate1 Annual Percentage Yield
On the first $25,000 3.00% 3.04%
Amounts over $25,000 0.01% 0.01% - 3.04%
If Requirements are Not Met Dividend Rate1 Annual Percentage Yield
All Balances 0.01% 0.01%
Rates effective as of February 21, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.
Savings & Checking Disclosure & Fee Schedule
1Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate.
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. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
- 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.

Student Spend Account

Account Dividend Rate Annual Percentage Yield
Student Spend Account 0.01% 0.01%
Rates effective as of February 21, 2024 and subject to change.
Above are prospective dividend rates for the current period.
Fees may reduce earnings.
Must enroll in eDocuments or will receive a Paper Statement Fee of $3 per month.
Account not eligible for Overdraft Protection Plus.
Membership with a $5 Share Account required.