Free Rewards Checking Accounts | Woodstone Credit Union | Federal Way, WA


What's better than free?

From cash-back to interest-earning to basic no-frills checking, there’s something for everyone. And with no monthly fee or minimum balance requirement for any of it, you’re free to choose the checking account that’s right for you. We make banking easy – anytime, anywhere – with our convenient VISA® debit card, state-of-the-art mobile and online banking applications, and access to 30,000 surcharge-free ATMs.

Which checking account is right for you?


Premier Checking

Tandem Checking

Basic Checking

This checking account might be right if you...
  • Use your debit card for most purchases
  • Get cash from Surcharge- Free ATMs
  • Keep a higher balance in your checking account
  • Want a checking account that pays a high interest rate
  • Use your debit card for many purchases
  • Get cash from Surcharge- Free ATMs
  • Want a no-frills checking account with no monthly service fee or minimum balance requirement
  • Get cash from Surcharge- Free ATMs
Monthly rewards
  • Earns tiered rates
  • No fee for ATM withdrawals
  • Free checks
  • Free Money Orders
  • Earn 1.75% APY1 on balances up to $10,000 
  • ATM surcharge fee refunds up to $20
Monthly qualifications to get rewards
  • Minimum balance of $2,500 to earn dividends
  • 12 debit card purchases, post and settle2
  • Receive e-statements
  • One direct deposit or ACH transaction
Monthly fee  $6/Month3
None None
No minimum balance Checkmark Checkmark Checkmark
Surcharge-free access to 30,000 CO-OP ATMS Checkmark Checkmark Checkmark
Free VISA debit card Checkmark Checkmark Checkmark
Free online banking and bill payer Checkmark Checkmark Checkmark
Free mobile banking Checkmark Checkmark Checkmark
Free e-statements Checkmark Checkmark Checkmark
No minimum to open checking accounts.
1 Annual Percentage Yield
2 If monthly qualifications are met. Monthly qualifications are: 12 debit card purchases post and settle, receive e-statements, and have at least one direct deposit or ACH transaction post.
3 Only charged if balance falls below $2,500 during the month

Open your checking account today.

  • Over the phone: at 253.925.6800 or 800.334.9828
  • In person: at our branch