These days banks and credit unions are able to offer you almost the same features and conveniences.

Yet, you should know answers to the basic questions, like, “What’s the minimum balance?” and “What fees are associated with the account?” So let’s go through that to start:

Our Checking accounts check all the boxes

Basic CheckingPremium CheckingKasasa CashKasasa Cash Back
Opening Deposit$25.00$25.00$25.00$25.00
Minimum Balance$01,000.00*$0$0
Per Item ChargesNoneNoneNoneNone
DividendsNoneYesNoneAPY between 0.05% and 3.00%
Monthly Maintenance$0$8.00*$0$0
Overdraft ProtectionNoYesNoNo

* For premium accounts, the minimum balance requirement can be met with combined balances for all deposit accounts. If the aggregate balance exceeds $1,000.00 there is no monthly fee.

Our Member Advantages

Debit & Credit Card Rewards

Rewards, Rewards, Rewards…. You want them and we offer them!

Earn rewards by using your VISA® Check Card for the all the things you do anyways. Everytime you sign for a VISA® Check Card transaction you earn points that can be redeem for all kinds of things. Visit our UChoose Rewards website to check your points and see what kinds of “things” you can get.

VISA® Check Card

The card that does it all – works like a credit card for purchases and can be used at the ATM to get cash.

Use your VISA® Check card anytime, anywhere! VISA® is widely accepted, it’s fast and convenient. Plus your Western CT FCU VISA® Check Card provides you with the comfort of VISA’s® ZERO Liabilitiy protection. So you are not responsible for fraudulent transactions! Or any unauthorized activity due to Identity Theft!


Internet Banking

Internet Banking offers you the ability to manage your account anytime, any day.

Our Internet Banking system is reliable and secure. You can trust our system to keep your personal information safe. It’s easy to use and has lots of helpful features such as our Secure Messaging system. The Secure Messaging system allows you to communicate with a Credit Union representative by submitting questions anytime of the day or night.

Bill Pay

We offer Bill Pay as a FREE Service.

We want you to enjoy this great feature without having to worry about paying for it. Not only do we offer this service free, it will even save you time and money. No more postage, no more writing out checks and stuffing envelopes. Login and pay all your bills from the same screen. We are confident that once you try Bill Pay, you’ll never be able to go without it!

More Ways To Save

Explore Western CT FCU’s Share Certificates and discover how easy it easy to make the most of your money.

Free Kasasa Cash Back® Checking

Free checking that pays you back! Cash back on your debit card purchases and refunds on ATM withdrawal fees!

Summer Kick-Off Ice Cream Event

Members and their families & friends are invited to join us for a FREE ice cream social at our main branch!


*APR as low as, ask for details. All rates are dependent on your credit rating.