Checking Accounts

Save while you spend and keep the hassle out of banking, the Workers Way!

High Interest Checking

Save while you spend with a high interest rate, no minimum balance, and no service charge1,2.

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  • FREE Bill Pay
  • FREE Digital Banking
  • ATM Fees reimbursed up to $10/month

Workers Free Checking

Back to basics with no minimum balance and no monthly requirements1.

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  • FREE Bill Pay
  • FREE Digital Banking
  • Instant Issue Debit Card

A Workers Checking account gives you:

Debit/ATM card icon

Debit or ATM Card

Call us to order your card or stop by a branch to get one instantly.3
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CO-OP Shared Branching

Access thousands of surcharge-free ATMs3 and a shared branch network nationwide.
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Online and Mobile Banking

View accounts, move money, pay bills, deposit checks and sign up for e-statements.4
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Overdraft Options

Life happens. Overdraft protection5 can give you peace of mind. View your options.
Card Security

Even Safer Transactions

Use the CardValet® app to manage your card security and contact us to register your debit card for Mastercard SecureCode, a security PIN to make purchasing online with your card even safer.

1Rates subject to change at any time without notice unless otherwise noted. Rate may change after the account is opened. Offers may be withdrawn at any time. Subject to membership eligibility. Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Annual Percentage Yield (APY) and rates are effective as of 9/9/2021. Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly. See account disclosure and account terms and conditions provided at account opening for additional information. 

2High Interest Checking: To earn these rates, you must meet the following monthly requirements per each statement cycle: 1) Have 12 point of sale debit card transactions post to your account, 2) Enroll and receive eStatements, and, 3) Have one direct deposit or ACH auto debit. The APY rate of 2.25% only applies to the first $0–$15,000. Balances of $15,000.01 or more earn an interest rate of 0.40%, with an APY range for the entire balance of 2.25%-0.96% .This APY range assumes a deposit of $50,000 for illustration purposes only. When monthly requirements are not met within a monthly statement cycle, the base rate of 0.05% APY will apply to the entire balance for the statement cycle. There is no minimum balance to earn this APY. Further, in addition to meeting the requirements listed above to earn the higher first and second tier APY rates and to receive up to $10 in ATM fee reimbursements, the account must be open for the entire statement period, otherwise, the base rate will be applied to the entire balance for the number of days in which the account was opened during the month, and you will not receive the ATM fee reimbursement.

3Other institutions may impose a surcharge for use of their ATMs.

4Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

5Free Checking is not eligible for Overdraft Privilege but does qualify for other overdraft options; Checking Account Line of Credit and Sweep Account Transfers.