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In today's fast-paced world you need a checking account that doesn't complicate your life. Water and Power Community Credit Union has several checking accounts for you to choose from.  All of our checking accounts feature FREE Online Banking, Bill Pay and Mobile Banking. 

Checking Accounts

Free Power Checking*
Power Checking is our traditional non-interest-bearing account.

  • No minimum balance required
  • No direct deposit required
  • No monthly service charge
  • Free starter check order of 25 checks
  • No dividends paid on checking account balance
  • Free Online Banking and Bill Pay
  • Free Mobile Banking
  • Free ATM/debit card
  • Free ATM withdrawals at 28,000 CO-OP® Network ATMs  

Apex Checking
Make the most of your checking dollars with this interest bearing checking account

  • Dividends paid quarterly on average daily checking account balance
  • No minimum balance or direct deposit required
  • Low $7 monthly charge
  • Free Mobile Banking
  • Free Online Banking and Bill Pay
  • Free ATM/debit card
  • Free ATM withdrawals at 28,000 CO-OP® Network ATMs  

Advantage Checking
Advantage Checking is the account for the investment savvy member who wants free checking on a dividend-paying account.

  • Dividends paid quarterly on average daily checking account balance
  • Free with direct deposit or $2,500 in deposits with WPCCU
  • Free Online Banking and Bill Pay
  • Free Mobile Banking
  • Free ATM/debit card
  • Free ATM withdrawals at 28,000 CO-OP® Network ATMs 

MyStart Teen Checking*
MyStart Teen Checking is designed to help teach teens how to manage their own money as they take on more financial responsibility. The teen must be at least 13 years old and have a parent or guardian as a co-signer on the account. The account can be opened with as little as $10. MyStart Teen Checking includes:

  • Free MyStart Debit Card
  • Free Mobile Banking
  • Free Online Banking and Bill Pay
  • Free online financial education seminars
  • Free ATM withdrawals at 28,000 CO-OP® Network ATMs
  • Free starter check order
  • No monthly service charge
  • No minimum balance required
  • No direct deposit required

*NOTICE OF EXPIRATION OF THE TEMPORARY FULL NCUA INSURANCE COVERAGE FOR NONDIVIDEND-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a nondividend bearing transaction account no longer will receive unlimited deposit insurance coverage by the National Credit Union Administration (NCUA). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all nondividend-bearing transaction accounts, will be insured by the NCUA up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about NCUA insurance coverage of nondividend-bearing transaction accounts,visit www.ncua.gov.

Savings Accounts

The Power to Save
Whether you're looking for a traditional savings plan, a special purpose savings account, a high-rate flexible account, or to lock in a guaranteed rate of return, Water and Power Community Credit Union has savings options that help your money grow. When you become a WPCCU member you automatically get a Prime Share Savings account, but there are more to choose from.

A savings account (also known as a share account) is what entitles each member to receive all the benefits of membership at WPCCU.  While a minimum balance of $25 is required, there are no monthly maintenance fees and you will earn higher than average rates compared to many other financial institutions!

MatriMoney Account

This special purpose account allows engaged couples to earn interest while saving for their wedding, honeymoon, or other big ticket items. Cash gifts and the names of the gift givers appear on monthly statement records, allowing the couple to easily recognize and thank those making gifts. 

Savings Certificates
Certificate Accounts are a great way to invest for the future.  With initial investment of $1,000 (Non-promotional certificates only), you'll enjoy a great interest and dividends compound daily and pay monthly.

  • Substantial penalty for an early withdrawal of funds
  • Certificate Accounts may be used as collateral for Consumer Loans (exceptions to IRA Accounts)

Round-the-clock Convenience
You can make deposits to and withdrawals from your regular savings account by ATM, debit card, mail, in person, by telephone, through mobile banking, online or at any credit union shared branch.  In addition, through the convenience of payroll deduction and direct deposit, you may designate an amount to be automatically deducted from each paycheck or your entire paycheck may be deposited into one of your credit union accounts.

You're Insured!
Your money is safe with us. All deposit accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA).

Call us toll-free at (800) 300-9728 for more information or to open your account.

 

 

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