Open an Account Today!

At Wakota Federal Credit Union, you're not just an account; you're a face, a name, and an owner!

Open a New Membership

Are you new to Wakota FCU? Start your membership today!

New Membership Instructions
  1. Fill out the online Membership Application or stop by our branch.
  2. It’s that easy!

Open a Sub-Account

If you already are a member and want to open a Money Market, WINcentive Savings, Certificate or any other type of account, follow the steps below.

Sub- Account Opening Instructions
  1. If you have online banking, following the next steps. If you do not have online banking, please stop by the branch or call 651.451.3330.
  2. Login to your online banking.
  3. Select “New Account” from the menu bar at the top of the screen.
  4. Select “Purchase a New Certificate” or “Open a New Savings or Checking Account” depending on your needs.
  5. Follow instructions on online banking to finish the account opening.


  • Only Certificates, Savings and Money Market Accounts may be opened online.
  • To open a WINcentive Savings if you are currently a member- simply email that you wish to open the new account product. You will be sent a participation agreement to sign, then a representative will finalize the account opening.

Switch to Wakota Checking

Switching to a low-fee checking account from Wakota FCU is easy! Just follow the steps below.

Checking Account Instructions
  1. You can open an account for a personal checking through It’s Me 247. If you’re applying for a business account, download our Business Checking Application form.
  2. Make sure all checks have cleared on your old checking account.
  3. Leave enough funds in your old account to cover any automatic payments that may still be withdrawn.
  4. If transferring a Certificate of Deposit, double-check the maturity date to avoid possible penalties.
  5. Inform your direct deposit vendors (payroll, etc.) of the change. You can use ourĀ ACH Direct Deposit form.
  6. Inform any vendors who take automatic payments to change the withdrawals to your new account. You can use ourĀ ACH Bill Pay form.
  7. Inform your old financial institution when you are ready to close your old checking account.

As a not-for-profit financial institution, Wakota FCU is proud to return our profits to your member-owners in the form of fewer fees, higher savings yields, and lower loan rates. Make the switch today!

Switch to Wakota checking

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