Free High Yield Checking, Premium Perks

*Registration/activation required

Other fees may apply

Holiday Bonus Offer Valid: November 12 – December 31, 2024. To be eligible, you cannot have any existing Wellby checking accounts. To receive the bonus of $100.00, you must open a Wellby Secure Spending (checking) account either online or in a branch using the promo code: GIFT2024 during the promotional period and set up a direct deposit equal to at least $300.00 per month within 60 days of account opening. Your bonus will be credited to your new checking account within 14 days following confirmation that you completed all the offer requirements and meet the qualifications. Membership and registration/activation required. Restrictions apply.

¹APY= Annual Percentage Yield. Must be at least 18 years of age to open Secure Spending account. High Yield Requirements for this account include: You MUST have a minimum of 30 debit card Point-of-Sale (POS) transactions or 30 credit card POS transactions, or a combination of 30 debit and credit card POS transactions monthly. [A transaction is considered a Point-of-Sale (POS) transaction when you use your debit or credit card online, or physically at a POS register via tap, swipe, or insert.] The highest APY includes: 4.50% APY on account balances up to $50,000.00, and 0.03% APY on account balances greater than $50,000.00. If requirements are unmet, accounts will earn 0.03% APY on account balances. Rates are subject to change. APY rate is effective as of 10/1/2024. Fees could reduce earnings on the account.

²Early Payday gives you access to your eligible direct deposits up to two (2) business days before the scheduled payment date to your personal account. Early availability is not guaranteed and may vary from deposit to deposit, which depends on when we receive the payor’s instructions and other limitations such as fraud screening. Eligible direct deposits include your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH). Other deposits or credits such as deposits of funds from person-to-person payment services (i.e., Cash App, Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday. 

³You will have access to your credit report and score provided your information has been verified by the credit reporting agency (CRA). Credit score is a VantageScore 3.0 based on Transunion data. Third parties may use a different type of credit score to assess your creditworthiness. 

⁴Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students covered. 

⁵Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and insurance documents can be accessed through the Wellby Mobile app or online banking. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate. 

⁶Overdraft Protection Options: Wellby offers our members three options within our Overdraft Services Program to help pay overdrafts when they occur and prevent the decline and return of certain transactions: Wellby Overdraft Protection, Wellby Overdraft Steward, and Wellby Overdraft Steward with Debit Card Coverage. 

Overdraft Protection is an optional service that allows you to link a Wellby savings account or a line of credit as a backup in case of accidental overdrafts occur. When an overdraft occurs on your checking account, the exact amount needed to prevent the overdraft is transferred from your linked account with no additional transfer fee, ensuring enough funds are available. Overdraft Protection covers all transactions, including ACH, checks. We will not authorize and pay overdrafts for Point-of-Sale (POS) Debit Card transactions, ATM withdrawals, over-the-counter withdrawals, and internal transfers initiated through online and telephone banking. There is no charge for your coverage; however, if you are not enrolled or if Wellby returns ACH or checks as unpaid, you will receive a $25.00 Insufficient Funds (NSF) fee. You will have forty-five (45) days to re-pay any overdrawn balance. 

Wellby Overdraft Steward is an optional service that will cover checks and Automated Clearing House (ACH) transactions (e.g., transactions using Wellby Bill Pay, recurring payments such as phone bills, mortgages or utility bills set up using your account and routing number) for a fee of when there is not a sufficient available balance in your eligible Wellby checking accounts up to a certain limit amount, for which you must meet certain criteria. We will not authorize and pay overdrafts for ATM withdrawals, over-the-counter withdrawals, and internal transfers initiated through online banking and telebanking and may not authorize and pay overdrafts for Point-of-Sale (POS) Debit Card transactions. You must enroll in the Overdraft Steward Debit Card Coverage to authorize payment of overdrafts for POS Debit Card Transactions. We will charge a fee of $25.00 each time we pay a transaction using the Overdraft Steward coverage. If you are not opted-in to the Overdraft Steward service and Wellby returns ACH or check items as unpaid, you will receive a $25.00 Insufficient Funds fee. You will have forty-five (45) days to re-pay any overdrawn balance. 

Wellby Overdraft Steward with Debit Card Coverage is an optional service that will cover checks and Automated Clearing House (ACH) transactions (e.g., transactions using Wellby Bill Pay, recurring payments such as phone bills, mortgages or utility bills set up using your account and routing number) for a fee of when there is not a sufficient available balance in your eligible Wellby checking accounts up to a certain limit amount, for which you must meet certain criteria. We will not authorize and pay overdrafts for ATM withdrawals, over-the-counter withdrawals, and internal transfers initiated through online banking and telebanking and may not authorize and pay overdrafts for Point-of-Sale (POS) Debit Card transactions. You must enroll in the Overdraft Steward Debit Card Coverage to authorize payment of overdrafts for POS Debit Card Transactions. We will charge a fee of $25.00 each time we pay a transaction using the Overdraft Steward coverage. If you are not opted-in to the Overdraft Steward service and Wellby returns ACH or check items as unpaid, you will receive a $25.00 Insufficient Funds fee. You will have forty-five (45) days to re-pay any overdrawn balance. 

⁷Savings Plus Bonus Rate Offer: This offer is subject to change without notice. Wellby has the right to cancel or change this promotion at any time.

**APY = Annual Percentage Yield. APY is accurate as of 1/2/2024. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. Dividend rates and APY for a Savings Plus account are variable and can change at any time. The NCUA insures individual accounts up to $250,000.00. To qualify for the bonus rate, you must have an active checking account and have direct deposits of at least $300.00 per month; registering for and accessing online banking at least once every three (3) months, and one of the following: eight (8) or more posted debit card transactions or posted debit card payments of a bill from your Wellby checking account per month; eight (8) or more posted credit card transactions from your Wellby credit card account per month; or $40,000.00 or more in lending balances (does not include credit cards). If the checking account no longer qualifies as active, you will receive the regular posted rate for your savings balance tier. A savings account with a starting balance of $1,000.00 and a monthly deposit of $300.00 for 12 months at a bonus rate of 2.02% APY will earn $59.16. Fees could reduce earnings on the account. 

A Primary Savings account is required for new members, which includes membership share and has a minimum balance of $5.00 to open the account. 

JSC Federal Credit Union does business as Wellby Financial ("Wellby Financial" or "Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union. This offer is subject to membership eligibility. You are eligible if you live, work, worship, attend school, or do business in the Greater Houston Metro or Galveston area. You can also join Wellby if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners’ associations, or areas of community service in our field of membership or are an American Consumer Council member. You may also be eligible to join if you are an immediate family member or live in the same household as a current Wellby member.