Open & Apply

Free Checking Account

The account that frees up your money for better things.

Open an Account View Rates
  • No minimum balance required
  • Unlimited check-writing
  • Unlimited eBanking
No minimum balance required
Unlimited check-writing
Unlimited eBanking
Cashback Checking Account eChecking Account Free Checking Account Debit Cards Overdraft Coverage Reorder Checks

What's the catch? Honestly, there isn't one.

Whoever said, "You don't get something for nothing," clearly wasn't a WCCU member. Our Free Checking really doesn't cost a dime. And it comes with a long list of "somethings" — including 24/7 eBanking services designed to save you time and make your life easier.

  • Unlimited check-writing
  • No monthly service charges
  • No minimum balance requirements
  • Network of surcharge-free ATMs*
  • Mastercard Debit Card
  • Free eBanking with electronic Bill Pay
  • Free mobile app with mobile check deposit
  • Free eStatements and eAlerts keep you up to date with account activity
  • Ages 14 - 17 make a deposit and be entered to win monthly drawings

FAQs

Westerly Community Credit Union is a full-service credit union serving all of Rhode Island and Windham and New London County, CT. In order to open an account, you must live or work in one of these areas.
WCCU will reimburse up to $20 of “foreign” atm fees (other institutions fees) per month when you bring in a receipt to one of our Branch Offices. You can submit ATM receipts for reimbursement once per month.
  • If you open your account in the Branch, you will receive your Debit card immediately. We can create and print them in the Branch. 
  • If you open your account online, then you debit card will be mailed to you within 7-10 business days. 
You can open a Overaft Line of Credit or you can link a WCCU Savings account to your Checking account which allows you up to 6 transfers per month and only charges a $5 transfer fee per transaction. 

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, Richmond, Wakefield, and Coventry.

It's Financial Literacy Month!
Empower your kids to learn with Greenlight's FREE debit card and in-app financial literacy game, Level Up™.
Get Started: It's Financial Literacy Month!
WCCU helped my wife and I pay off our mortgage. We have been mortgage-free for over a year now and have gained financial freedom.
David I. of Charlestown
We joined right after WCCU opened. Needed a loan to pay off some bills. Everyone is so helpful and always has a smile for you. Always made me feel like part of the family. For me...the WCCU is the only place to bank! Thank you so much for such great service over the many years!
Gerry M. of Westerly
We joined the WCCU many years ago because we really got tired of the big banks with their big fees and lack of community. We stayed because they treated us like we mattered. They valued their members by offering great rates on mortgages and HEQ loans. When my husband became ill, they worked with us until we could get back on our feet. Only small hometown banks offer this type of service.
Deanna C. of Westerly

Helpful Resources

Free Credit Report Review

We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.
* Other ATM owners may impose a surcharge for the use of their ATMs.