Skip to main content

Simply Great Checking

Free checking with no monthly fees.

Compare Accounts


With Many Free Benefits

No Min. Balance

No minimum balance requirement



No monthly fee



Competitive Rates and Benefits

Earns Interest

Earn interest on balances over $2,5002


Free Checks

Free checks for seniors3

See Rates

Switch to West Community Checking

Don't worry about the hassle of moving your automatic transactions. We've partnered with ClickSWITCH® so in as little as 10 minutes your can switch all of your direct deposits and recurring payments to your West Community checking account. 

learn More 



FREE Credit Report1
Mastercard® Debit Card
Debit Card security
FREE Digital Banking
FREE Bill Pay
FREE Mobile Check Deposit
30,000 surcharge FREE ATMs
Overdraft Protection Options
Unlimited Check Writing
Pays Interest
FREE Checks 3
Min. Deposit $25 $25
Monthly Fee
Min. Balance Fee 3
Min. Balance Requirement $2,5003
  1. Download of the West Community Mobile Banking app or enrollment in Online Banking required.
  2. A $5.00 monthly fee applies if balance drops below $2,500. Fee not applicable to members age 62+.
  3. Free checks are available to senior members age 62+ when ordered through a credit union branch. Online ordering not available.




Life happens! West Community Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Protection can help.

Savings Transfer – To save you time and money, West Community Credit Union has the ability to automatically transfer available funds from your savings account to your checking account to cover insufficient funds. A transaction fee of $5.00 will be applied to each transfer. Federal Regulation D transfer limitations apply. Refer to your West Community Truth in Savings for additional information.  

Overdraft Line of Credit – Apply for a personal Overdraft Line of Credit Loan for your checking account to cover insufficient funds. A $5.00 transaction fee will apply for each day that an overdraft transfer(s) is made into your account.  

Annual Percentage Rate of 12.9% APR. All Lines of Credit are subject to approval with an Annual Percentage Rate. Terms and conditions may vary based on creditworthiness qualifications. Rates, terms, and conditions are subject to change. Refer to a Member Service Consultant for additional information. 

Account Management Resources:

Link to another deposit account you have at West Community Credit Union
$5 fee per transfer

Overdraft Line of Credit
$5 fee per day + 12.9% APR

If you have any questions about Overdraft Protection, please call us at (636) 720-2400 or (800) 500-6860, or visit a branch. 

1 Contact us at (636) 720-2400 or [email protected], or visit a branch to sign up or apply for these services;
2subject to credit approval;
3 A $5.00 transaction fee will apply for each day that an overdraft transfer(s) is made into your account.
4Annual Percentage Rate (subject to 12 C.F.R. § 1026.16[b])




Your credit score affects every aspect of your financial life – from loan rates to cost of insurance. The better your score, the more you save. That’s why we’ve made it easy to monitor your credit score and activity by offering 24/7 access to it for FREE in our Mobile Banking App and in Online Banking.

  • FREE Unlimited access to your credit score
  • FREE Monthly credit reports
  • FREE Daily credit alerts to help you monitor for fraud
  • FREE Tips for improving your score
  • FREE Opportunities to save
  • See the average credit score within your ZIP code
  • Review how your credit score has changed over time
  • Initiate credit report disputes from the app
credit sense screen

Login and Take Control

Secure, free access to your credit score is only one way our Mobile Banking App puts you in charge. Download today for secure 24/7 access to West Community Credit Union banking—deposit checks, pay bills, transfer money, instantly view balances, monitor your accounts with text alerts, and much more! 

Apple AppStore
Google Play


Message and data rates may apply. Message frequency once per week. Reply HELP for help or STOP to cancel at any time. See our Mobile Terms of Services and Privacy Policy.