Checking Accounts

You have enough going on in your life, so choosing a checking account shouldn’t be complicated. We help keep it simple by having 3 different types of checking accounts. All offer easy access 24/7 to your money with a WFS debit card, mobile and online banking, telephone banking and CheckFree bill pay.

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  • Surcharge-free ATM access at more than 660 locations within the Freedom ATM Alliance network
  • No ATM surcharge from WFS if you use an ATM outside of the Freedom ATM Alliance network. Surcharges from other banks may apply
  • Immediate access to your paycheck with direct deposit
  • Transfer between WFS accounts using online or telephone banking
  • Hassle free switching from your existing checking account at another bank to WFS
  • Earn higher interest rates with relationship CDs
  • Eliminate the monthly maintenance fee by one of the following:
    • Maintaining the stated minimum balance
    • Having a direct deposit into the account
    • Maintaining a $1,000.00 balance in a qualified savings account 

Compare Our Accounts

Account Options

Interest Checking

Non-Interest Checking

Simply Debit

Account Description

Earn interest by maintaining a $500 minimum balance with this account. Unlimited check writing capabilities per account cycle.

Non-interest bearing account for those who want a lower minimum balance. Unlimited check writing capabilities per account cycle.

The perfect account for those who do not want or use checks. No minimum balance. No monthly service fees.

Minimum amount to open

$500

$100

$1 

Monthly Service Fee

$5

$5

$0

How to avoid monthly service fee

  • Maintain $500 minimum balance
  • Qualifying Direct Deposit
  • Savings account with at least $1,000 balance
  • Maintain a $100 minimum balance
  • Qualifying Direct Deposit
  • Savings account with at least $1,000 balance 

N/A

Earns Interest

Yes, as long as balance remains above $500

 No

No 

Number of checks allowed to write per month

Unlimited

Unlimited 

None

Qualifies for Relationship CDs 

Yes

Yes 

Yes 

Debit Card available

Yes

Yes 

Yes 

Debit Card ATM transactions at WFS ATM and ATMs within the Freedom Alliance Network

Free

Free 

Free 

Debit Card ATM transaction fees at non WFS/Freedom Alliance Network

Not from WFS
Other banks may charge

Not from WFS
Other banks may charge

Not from WFS
Other banks may charge 

Stop in or call us today for more information on opening an account. 

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