Student Banking Financial Freedom at your fingertips
Student Banking Accounts
Break out from traditional banking and embrace financial freedom with your own accounts including checking & savings, auto, personal, and student loans, credit cards and more, that support the student lifestyle. Access your money quickly and easily while on the go with the Workers Mobile app. Deposit checks with two clicks of your camera and set up your digital wallet with your Workers debit card to make paying even easier. That’s banking, the Workers Way!
Featured Products
Checking
Keep it simple with a Simple Checking1 account.
- No minimum balance
- No monthly service fee
- Overdraft Protection options
- Early Pay Day2 & Debit Roundup3
Also available: Free Checking with eStatements1,4, High Interest Checking1,5
Savings
Sit back and watch your savings grow with an Accelerate Savings1,6 account.
- Competitive interest rate
- $5 to open and earn interest
- No monthly service fee
Also available: SaveUP Savings1,7, Share Savings1
Credit Cards
Whether you're looking to build credit history, earn cash back, or simply have an emergency backup for those unexpected moments, Workers has the option for you.
Find the right credit card8 for your needs.
Bank On The Go
Free online and mobile banking make it easy to keep track of your accounts. Always know your balance, easily deposit checks, and setup your debit card in your digital wallet to make paying a breeze, all from the palm of your hand!9
1All Accounts: Workers Federal Credit Union membership required; minimum balance to open membership account is $5, unless otherwise noted. Subject to membership eligibility. Rates subject to change at any time without notice unless otherwise noted. Rate may change after the account is opened. Offers may be withdrawn at any time. Annual Percentage Yield (APY) and rates are effective as of . Fees may reduce earnings. See our fee schedule for specifics. Interest compounded daily and paid monthly. See account disclosure and account terms and conditions provided at account opening for additional information.
2Early Pay Day: Preauthorized direct deposits received by Workers Credit Union (WCU) may be credited to your account up to one business day prior to the scheduled posting date. We may not always receive the information early and then would not be able to post your deposit early. WCU is not liable if we do not receive the preauthorized deposit or fail to deposit these funds to your account early. Always verify that the direct deposit has posted to your account. You are responsible for any overdraft fees from transactions clearing prior to any deposit.
3Debit RoudUp: Contact us to sign up.
4Free Checking: Free Checking is not eligible for Overdraft Privilege but does qualify for other overdraft options; Checking Account Line of Credit and Sweep Account Transfers. See account terms and conditions provided at account opening, rate sheet, and Reg E opt-in form for additional information. Fees will apply, see our fee schedule for details.
5High Interest Checking: To earn these rates, you must meet the following monthly requirements per each statement cycle: 1) Have 12 point of sale debit card transactions post to your account, 2) Enroll and receive eStatements, and, 3) Have one direct deposit or ACH auto debit. The APY rate of 2.25% only applies to the first $0–$15,000. Balances of $15,000.01 or more earn an interest rate of 0.40%, with an APY range for the entire balance of 2.25%-0.96% .This APY range assumes a deposit of $50,000 for illustration purposes only. When monthly requirements are not met within a monthly statement cycle, the base rate of 0.05% APY will apply to the entire balance for the statement cycle. There is no minimum balance to earn this APY. Further, in addition to meeting the requirements listed above to earn the higher first and second tier APY rates and to receive up to $10 in ATM fee reimbursements, the account must be open for the entire statement period, otherwise, the base rate will be applied to the entire balance for the number of days in which the account was opened during the month, and you will not receive the ATM fee reimbursement.
6Accelerate Savings: The minimum balance required to open this account is $5. You must maintain a minimum daily balance of $5 in your account each day to obtain the disclosed annual percentage yields as per our disclosed rates. See rates page for rates and minimum balance to earn dividend requirements.
7SaveUp Savings: The minimum balance required to open this account is $5. You must maintain a minimum daily balance of $5 in your account each day to obtain the disclosed annual percentage yields as per our disclosed rates. See rates page for the breakdown of tiers, rates and minimum balance to earn dividend requirements.
The highest APY range listed assumes a deposit of $3,000,000 for illustration purposes only. There is no maximum deposit amount. There is a limit of one (1) SaveUp account per member as a primary owner.
8Credit Cards: Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
9Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.