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Basic Checking

Our basic checking account is a no frills checking that is totally free of monthly service fees, per check fees, or minimum balance fees. Spend more time enjoying your money and less time worrying about fees!

Basic checking perks include:

  • Free VISA Debit Card
  • Dividends paid monthly on a minimum $500 daily ending balance
  • Rewards on all purchases with your debit card
  • Free online banking, mobile banking, bill pay, and mobile check deposit
  • Access to 30,000 surcharge-free CO-OP ATMS nationwide
  • Overdraft protection and courtesy pay (*terms apply)
  • 0.25% APR* rate discount on your auto loan

Plus, rest easy knowing your funds are insured to at least $250,000 by the NCUA!

*APR = Annual Percentage Rate. 0.25% APR discount applies when you set up an ACH payment from your WSFCU checking account.

Rewards Plus

Think you have to have a credit card to earn rewards on your purchases? Think again! Western Sun is proud to offer a totally FREE rewards program that rewards you with points every time you make a purchase with your debit card!

You will earn 1 point for every…

  • $3 spent on signature (credit) transactions
  • $6 spent on PIN (debit) transactions

That means that every time you buy groceries, pay a bill, or fill up with gas, you can be earning points! Points can be redeemed for a huge selection of rewards, including cash back, gift cards, merchandise, and travel. All you have to do is enroll your debit card at https://www.dreampoints.com/wsfcu/

Basic checking with rewards? It doesn’t get any better than that!

Overdraft Protection

Accidents happen, and it’s nice to know your accounts are covered. With overdraft protection, you can link your checking account to a secondary transaction account (savings or checking) OR a pre-approved line of credit to cover overdrafts on your checking account. If you opt in to overdraft protection, it will automatically transfer funds from your designated account to cover overdrafts, provided matching funds are available in the secondary account. A fee of $2.00 per transfer will be assessed.

Courtesy Pay

Members at least 18 years of age with our free checking account may qualify for courtesy pay. If you opt in to courtesy pay, Western Sun may cover your overdrawn transactions, up to $1,000, for a fee of $25 per transaction. This is not a loan, and it does not cost anything unless you use it. Items that surpass the courtesy pay limit of $1,000 will be assessed a $25 insufficient fund fee for each item and returned as NSF.

In order to qualify for courtesy pay, you must have had your checking account for at least 90 days and the account must be in good standing. You will be given the choice to opt in or opt out of courtesy pay when opening your checking account. If you opt out of courtesy pay, any future overdrawn items will be returned unpaid and a $25 NSF fee will be assessed, unless you are opted in to overdraft protection.

Courtesy Pay is not available for Fresh Start Checking or Teen Checking.

Open a New Checking Account Today!

Thank you for choosing Western Sun Federal Credit Union for your financial needs. Click the button below to open a new checking account.