Ultimate Checking
Ultimate Checking
Earn a higher rate than traditional checking accounts
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Higher APY on balances up to $35,000
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Courtesy Pay®3 - up to $1,200 overdraft protection4
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No monthly service charge**
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No minimum balance to maintain
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Minimum $20 deposit to open
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Minimum 20 WEOKIE debit card transactions per month
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Must have monthly deposit (minimum of $250)
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No Cost with e-Statements**
**Avoid $2 paper statement fee by opting for paperless e-Statements online .
Plus, with every WEOKIE checking account you get:
FREE Visa Debit Card
FREE ATM transactions at more than 55,000 ATMs
FREE 24/7 secure online & mobile banking services
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$20 minimum opening deposit requirement
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No average daily balance requirement
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Overdraft Protection4
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FREE Unlimited Bill Pay (via Online Banking)
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Mobile Check Deposit (via Mobile Banking)
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Shared Branching access at more than 5,000 credit union locations
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Surcharge-free ATM access at more than 55,000 ATM ZONE and AllPoint Network locations
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Free Paperless e-Statements*
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Account alerts to help manage your money and avoid fees
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Fraud Risk Protection – 24-hour monitoring of WEOKIE debit cards
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Direct Deposit
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Unlimited Check Writing
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Unlimited Debit Card Usage
- In order to be eligible for this service, you must be eighteen years or older and your account (1) must be in good standing, as defined below, (2) must have been open for at least 45 days, (3) must have a positive balance at the time you opt-in to Courtesy Pay and at the time Courtesy Pay is activated, and (4) must not receive Social Security or other protected benefits that you do not want applied to repay an overdraft. An account in good standing (1) must not have any garnishments, levies, or other legal orders, and (2) must have a positive available balance overnight at least once every 35 days. If the available balance in an account remains negative for 45 days, we will close the account. Courtesy Pay is only available for one account per member. We reserve the right to revoke Courtesy Pay without notice to you if (1) there has been a forgery or fraud reported or committed involving your accounts, (2) any checks or drafts on your accounts are lost or stolen, (3) there has been any misrepresentation or any other abuse or misuse of any of your accounts, (4) you have demonstrated conduct which is abusive in nature or (5) as outlined in any policy we have adopted regarding restricting services.
- If you meet these eligibility requirements, you may opt-in to Courtesy Pay using the Overdraft Services Consent form. If you opt-in to Courtesy Pay, we may, at our discretion, pay a check, automatic bill payment, or ACH transaction that exceeds your available balance. We do not authorize and pay overdrafts for ATM transactions and one-time debit card transactions unless you specifically ask us to do so on the Overdraft Services Consent Form.
- For each overdraft transaction that we authorize and pay, we will charge a Courtesy Pay Fee, as shown in the Fee Schedule. The fee will be charged to the overdrawn account and will further decrease the available balance in your account. You may overdraw the available balance in your account up to $1,200.
- We pay all overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. When we choose not to pay a check, automatic bill payment, or ACH transaction that exceeds your available balance, we will still charge either an Insufficient Funds Fee or an Uncollected Fee, as shown in the Fee Schedule and described in the Membership and Account Agreement. For any one transaction, you will either be charged a Courtesy Pay Fee, an Insufficient Funds Fee, or an Uncollected Fee, but not more than one of these.
- Courtesy Pay is a Registered Trademark of BANCServices Group, Inc.
- If you elect to add Overdraft Protection to your account, this service allows you to designate an account (the “designated account”) in your name from which funds will be transferred in order to cover any transaction that exceeds the available balance of your checking account. Term accounts and Individual Retirement Accounts (IRA) are not eligible for use as designated accounts for Overdraft Protection. The amount transferred to your checking account by Overdraft Protection cannot exceed the available balance of the designated account from which funds are transferred. There is no fee for using Overdraft Protection. For more information about this service or to add this service to your account, visit a branch or call 405-235-3030.
- If you opt-in to Courtesy Pay, also called Standard Overdraft Services, this service allows us to pay a check, automatic bill payment, or ACH transaction, even if the transaction exceeds your available balance. We do not authorize and pay overdrafts for ATM transactions and one-time debit card transactions unless you ask us to. For more information about Courtesy Pay, see the section below titled Courtesy Pay. To opt-in to Courtesy Pay or to authorize us to pay overdrafts on your ATM and one-time debit card transactions, see the Overdraft Services Consent form.
- If you elect to add Overdraft Protection and opt-in to Courtesy Pay, we will use Overdraft Protection, if possible, rather than Courtesy Pay when transactions exceed the available balance in your checking account. If the amount of a transaction exceeds the available balance in the account you designated for Overdraft Protection, then we may use Courtesy Pay.
- Both Overdraft Protection and Courtesy Pay are privileges that offer flexibility and peace of mind, knowing that your transactions may be covered. However, Courtesy Pay may be expensive. Overdraft Protection may be more suitable for your needs.