Checking Accounts

Low or no fees, easy access, and account choices to fit your needs.

Wakota Basic Checking

No other checking account matches the convenience of our Wakota Basic package. There are no monthly fees, check clearing fees or limits and no minimum balance is required.

Basic Checking includes:
  • No minimum balance on checking
  • No monthly maintenance fees
  • FREE debit card
  • FREE home banking and mobile banking with EasyPay Bill Pay
  • FREE eStatements
  • Ready Credit Overdraft Protection (must qualify)
  • Online Check Reorders
  • Duplicate Checks
  • Easy Deposit Access
    • Payroll Deduction
    • Direct Deposit
    • Mail
    • Night Depository
    • Drive-Thru

Wakota Checking Plus

Maintain a higher account balance, earn tiered dividends and still have access to your money. This account features no monthly service fees.

Checking Plus includes:
  • No monthly minimum balance
  • No monthly maintenance fee
  • Earn tiered dividends*
  • FREE debit card*
  • FREE eStatements*
  • FREE home banking with mobile access and EasyPay Bill Pay
  • Up to .25% rate reduction on consumer loans (must qualify)
  • Ready Credit Overdraft Protection (must qualify)
  • Direct deposit*
  • Online Check Reorders
  • Duplicate Checks
  • Easy Deposit Access
    • Payroll Deduction
    • Direct Deposit
    • Mail
    • Night Depository
    • Drive-Thru
*Certain restrictions apply. Dividends earned on balances of $500 and above. Call us to request tiered rate details.

Business Checking

This non-interest bearing account offers a low-cost way to manage your commercial checking. No minimum balance is required.

Business Checking includes:
  • NO minimum balance
  • FREE Online Banking
  • Monthly fee of $15 and check clearing fee of $0.25 per item.
  • Online Check Reorders
  • Duplicate Checks
  • Easy Deposit Access
    • Payroll Deduction
    • Direct Deposit
    • Mail
    • Night Depository
    • Drive-Thru
    • Duplicate Checks
    • Easy Deposit Access

Download your Business Checking Application form (70K, PDF*) and apply today!

Silver Service

Our Silver Service club is open to members who are ages 55 and older. Some of the perks that Silver Service club members receive include:

  • Three free money orders per month
  • One free box of checks per year
  • Half-price safe deposit box rental on certain sizes

Get Checking with Wakota FCU today!

Sign up for our News & Specials

Give us your email address and we’ll keep you informed about important events at your Credit Union.
Start here