Become a WECU member and earn $400 when you open online. 1
Spend Plus Checking is built for people who want more from everyday banking. Open your account online, set up qualifying direct deposit1, and start enjoying WECU membership benefits.5
Limited-time offer. Terms and eligibility requirements apply.1
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WECU is a not-for-profit financial institution focused on helping members grow financially.
Earnings are returned to members through great rates, minimal fees, and people-first service. You are not just a customer. You are a member.
You and your family can become members if you live, work, worship, or attend school in Washington. 7
Open Spend Plus Checking NowSafe. Secure. Federally insured by NCUA.
1. Offer is available for a limited time to qualifying individuals who have not been a member in the last twelve (12) months and have previously not received a New Member Bonus. Requirements to receive $400: New member must open Spend Plus checking online at wecu.com and receive a direct deposit of $1,000 or more into that new account within the first 60 days. Bonus will be deposited into the account on day 65, if requirements are met. You are responsible for any taxes due on the value of the bonus offer. We will report the bonus to tax authorities as required. Please consult a tax advisor, WECU does not provide tax advice. Only tax-reporting account owners are eligible. Foreign members without tax identification numbers are not eligible. One bonus per person. Can not be combined with other new member offers. Offer expires 12/31/26. WECU may change or discontinue this offer without notice. Spend Plus Rewards Checking requires $1 to open. Monthly fee is waived with Direct Deposit greater than $100 per month; otherwise account is $5 per month. It comes with early payday, up to $10 in ATM fee refunds per month, 1 point per $20 spent with your Debit Card per month, 10 points per month per $1,000 in WECU Loans, and 250 points per month for a WECU Mortgage. See Member Rewards Terms & Conditions or contact us for details.
2. APY = Annual percentage yield. 8.00% APY on balances up to $5,000; .05% base APY plus additional 7.95% APY monthly for qualifying accounts with 20 Debit Card Transactions, enrollment in eStatements, and direct deposit greater than $100 per month. Non-qualifying accounts and balances over $5,000 will earn .05% APY. Minimum opening deposit of $1 is required. Fees could reduce earnings. APY is accurate as of 01/31/2024.
3. Early access to automatic deposits depends on the day the money is sent. WECU deposits the funds on the business day the payment is received, which may be up to 2 days earlier than the scheduled payment date.
4. See Member Rewards Terms and Conditions or contact us for details.
5. Spend Plus Checking earns 8.00% APY on balances up to $5,000; .05% base APY plus additional 7.95% APY monthly for qualifying accounts with 20 Debit Card Transactions, enrollment in eStatements, and direct deposit greater than $100 per month. For member reward points see Member Rewards Terms and Conditions or contact us for details.
6. WECU Mobile is rated 4.8 in the Apple App Store and 4.7 in Google Play, as of October 2025.
7. Returning members must be in good standing.
The site you are about to visit is not operated or controlled by WECU, nor is WECU responsible for its content. WECU is not to be misconstrued as a representative for visitors of our website, the third party website operator, or for our members in the event of communication or a transaction. WECU's website terms, privacy and security policies may differ from this site.
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