Checking

Choose Your Checking

Because everyone has different spending habits and goals, we provide three options for your personal checking account.
A traditional checking account that has all the features needed for your everyday banking.
Two rewards accounts offering cash back and earning interest to let your money work harder for you—one to get you started and one for higher balances.

REACH OUT TO GET STARTED

woman looking through shirts at a clothing store

Kasasa Cash^®

A free checking account with no minimum balance and no service fees that pays high interest. Maintain a high balance to take full advantage of the earning potential.

Kasasa Cash® Checking

Kasasa Cash Back^®

Get rewarded for your everyday spending habits with this free checking account with no service fees that gives you cash back on your debit card purchases.¹

Kasasa Cash Back® Checking

Traditional Checking

This account is basic checking at its best with no minimum balance and no service fees. Keep your money safe and at your fingertips with nationwide ATM access plus online and mobile banking.

Compare Checking Accounts

Comparison table of personal checking accounts
	Kasasa Cash^®	Kasasa Cash Back^®	Traditional Checking
Account Rewards	Earn 4.75% APY* on balances up to $25,000¹ 0.25% APY* on balances over $25,000¹ Earn 0.05% APY* if qualifications are not met¹	Earn 4.00% cash back on debit card purchases¹ up to $250 Earn $10 per month¹ up to $120 cash back per year
ATM Rewards - Fees refunded, nationwide!	(up to $25/month)	(up to $25/month)	—
Minimum amount to open	$50	$50	$50
Minimum balance	None	None	None
Minimum balance required to obtain stated APY*	$0.01	$0	$0
Service Fees	None	None	None
Interest earning		—	—
Unlimited check writing
Free debit card
Online Banking
Mobile Banking with mobile deposit
eStatements
Online Bill Pay
Overdraft protection eligibility**
Rewards	For you to earn full rewards, the following qualifications must be met during each monthly qualification cycle: ♦ At least one direct deposit, ACH debit or ACH credit transaction ♦ At least 12 debit card purchases ♦ Be enrolled in and agree to receive e-statements	For you to earn full rewards, the following qualifications must be met during each monthly qualification cycle: ♦ At least one direct deposit, ACH debit or ACH credit transaction ♦ At least 12 debit card purchases ♦ Be enrolled in and agree to receive e-statements	—
Learn more about our checking account options	Kasasa Cash®	Kasasa Cash Back®	—

Fees could reduce earnings on interest bearing accounts.

*APY is Annual Percentage Yield.

¹Kasasa Account Disclosures

**Read important disclosure information about WCF's Overdraft Protection Eligibility

Kasasa Qualification Cycles

Your Personal Banking Team

The friendly and knowledgeable team of WCF personal bankers is here to assist you with all your personal banking needs.

Independence

Jill N. Price Loan Processor / Customer Service Representative Independence

Meet Jill N. Price

Loan Processor / Customer Service Representative

Jill is a friendly and familiar face at WCF's Independence branch, where she provides a wide range of services with a personal touch. Whether she's processing and funding loans, managing escrow accounts, or performing teller duties, Jill always goes the extra mile to make her customers feel welcome and valued. Having grown up in Alaska and Iowa, Jill brings a unique perspective and a warm, approachable personality to every interaction. She genuinely enjoys getting to know the people she serves and believes in building lasting relationships based on trust, kindness, and exceptional service. Jill is a proud graduate of Iowa Falls-Alden High School.

Email Jill Price

Jackie A. Reiff Commercial Loan Processor / Customer Service Representative Independence

Meet Jackie A. Reiff

Commercial Loan Processor / Customer Service Representative

Jackie’s journey with WCF began at the front lines—as a teller and customer service representative—where her friendly demeanor and dedication to helping others quickly made her a familiar and trusted face. Today, she brings that same energy and care to her role as a Commercial Loan Processor. Whether she’s organizing complex loan applications or walking clients through the details of commercial and agricultural financing, Jackie is all about making the process smooth, clear, and stress-free. She’s known for her ability to find solutions, answer questions before they’re even asked, and keep things moving forward with a smile. A proud University of Northern Iowa graduate, Jackie thrives on building lasting relationships and celebrating the wins—big and small—of the businesses and individuals she supports. For her, it’s not just about numbers and paperwork; it’s about helping people turn their ideas into reality.

Email Jackie Reiff

Tama

Jenn Thiessen Assistant Vice President / Compliance Officer Tama

Meet Jenn Thiessen

Assistant Vice President / Compliance Officer

With 13 years in banking and 10 years of loan processing under her belt, Jenn is well positioned to serve Tama customers. In addition to serving as a Mortgage Loan Processor, she assists in new accounts and teller duties — which means she can assist just about anyone who walks in the door! A graduate of Marshalltown Community College, Jenn also holds professional designations from Iowa Bankers Consumer Credit School and Iowa Bankers Lending Compliance School. She keeps connected to the community through a variety of organizations, such as Toledo Wieting Theater and South Tama Archery, and volunteers for a number of local organizations, including Kids’ Corner Daycare, Kids’ Corner Fundraising Committee and Tama-Toledo Chamber of Commerce.

Email Jenn Thiessen

Brooke A Yuska Assistant Vice President / Head Teller-Tama Tama

Meet Brooke A Yuska

Assistant Vice President / Head Teller-Tama

Brooke A. Yuska has dedicated over two decades to mastering the art of customer service, with a passion for excellence and a genuine desire to meet and exceed the needs of those she serves. A proud graduate of Kirkwood Community College, Brooke earned her associate degree in Legal Administrative Assistance, laying a strong foundation for her impressive career in customer service. Her journey is highlighted by a 15-year tenure in the banking sector, where she excelled as an Assistant Cashier/Head Teller. Beyond her professional achievements, Brooke's heart truly lies in the joys of family life and community involvement. She cherishes time spent with her family, whether it's vacationing together or supporting her children in their sports activities. Brooke's commitment to her community extends beyond her professional duties as she actively volunteers, contributing her time and talents to make a positive impact.

Email Brooke Yuska

Dahiana Puentes Customer Service Representative/Consumer Lender Tama

Meet Dahiana Puentes

Customer Service Representative/Consumer Lender

A graduate of South Tama High School, Dahiana has spent much of her career in the customer service field. Most recently she helped the Tama/Toledo residents with their insurance needs. Approaching customers with a friendly smile and providing them with a positive experience is very important to Dahiana. In her free time, Dahiana enjoys being with her family.

Kailee Meek Loan Processor/Customer Service Representative Tama

Meet Kailee Meek

Loan Processor/Customer Service Representative

Kailee Meek embarked on her professional journey in the banking sector with a robust foundation, spending a year at a bank where she honed her skills in various roles. During her time there, Kailee not only excelled at opening new accounts and operating as a teller but also demonstrated a keen aptitude for customer service by adeptly handling phone inquiries and assisting clients with online banking issues. Outside the bank, Kailee's life is deeply rooted in her close-knit family and community involvement, particularly in the realm of sports. As the second of four girls, her family ties are strong, often found coaching or supporting her sisters in the South Tama's AAU volleyball program. Her commitment to family and community is evident, as her free time is invariably spent with her sisters, her nephew, or her beloved dog, Nova. Despite starting her higher education journey at the University of Northern Iowa with a focus on elementary education, Kailee's path led her back home, where she transitioned into a promising career in banking, melding her personal values with her professional aspirations.

Webster City

Shannon Rhoades Assistant Vice President / Operations Officer Webster City

Meet Shannon Rhoades

Assistant Vice President / Operations Officer

Shannon joined WCF in 2024, bringing over 25 years of experience in the financial industry. Passionate about helping others, Shannon is inspired by the many people she has met throughout her career. She resides in central Iowa, with her dog Rocky, and enjoys weekends at her hobby farm in southern Minnesota. Shannon is an active member of Vibrant Life Assembly of God Church and volunteers with Raise the Bar Initiative. In her free time, she loves outdoor activities and spending time with family and friends.

Email Shannon Rhoades

Kya Askvig — Kya L. Askvig Operations Supervisor / Customer Service Representative Webster City

Meet Kya L. Askvig

Operations Supervisor / Customer Service Representative

Kya brings a lifelong passion for customer service to her role at Webster City Federal. A proud graduate of Eagle Grove High School, she earned her Certified Nursing Assistant and Certified Medication Administration credentials from Iowa Central Community College before transitioning into the financial world. Since joining the bank, she’s continued to grow in her role, with over five years of service and counting. Whether she’s helping neighbors with their banking needs or lending a friendly ear, Kya’s commitment to care and connection shines through. She lives in Webster City with her husband and their two sons, and outside of work, she enjoys boating, camping, kayaking, and spending time outdoors with her family. She’s also a talented pianist and a Shotokan karate black belt—just as comfortable on the keys as she is in the dojo!

Sheila Scott Assistant Vice President / Customer Service Representative Webster City

Meet Sheila Scott

Assistant Vice President / Customer Service Representative

Sheila holds the distinguished honor of being WCF Financial Bank’s longest-serving team member, with over 45 years of dedicated service. A graduate of Iowa Central Community College’s one-year secretarial and clerical program, Sheila has built a career defined by expertise, consistency, and care. She specializes in assisting customers with IRAs, certificates of deposit, and wire transfers, and is known for her deep knowledge and personal approach. Over the decades, Sheila has formed lasting relationships with customers and colleagues at the Webster City branch—connections she continues to treasure. Her warm demeanor and commitment to service have made her a cornerstone of the WCF experience. Outside of work, Sheila leads a full and active life. She has been happily married for more than 35 years and is a proud mother of two and grandmother of one. She enjoys camping, riding motorcycles with her husband, reading, crocheting, and quilting. Sheila is also an active member of Trinity Lutheran Church, where she participates in the Bell Choir and Alter Guild.

Email Sheila Scott

Jeanine Nokes Customer Service Representative Webster City

Meet Jeanine Nokes

Customer Service Representative

A Webster City High School graduate, Jeanine has spent much of her career in customer service. Jeanine enjoys helping her hometown residents with their financial transactions and ensuring that their needs are fully met. When not at WCF, Jeanine enjoys spending time with her family.

Anna Utrera-Greenfield Customer Service Representative Webster City

Meet Anna Utrera-Greenfield

Customer Service Representative

I grew up in Kamrar, Iowa, a small town with a close-knit community. After completing my education at South Hamilton Community School District, I continued my studies at Iowa Central Community College, where I earned my Associate of Arts (AA) degree. Throughout my life, I’ve had the privilege of working in customer service roles, where I honed my communication skills and developed a deep understanding of meeting people’s needs. Additionally, I have extensive experience in cash handling, ensuring accuracy and efficiency in financial transactions. When I’m not working, I cherish spending quality time with family and friends, sharing stories and creating lasting memories.

Chyne Neymeyer Customer Service Representative Webster City

Meet Chyne Neymeyer

Customer Service Representative

Chyne is a Customer Service Representative at WCF Financial Bank, where she has worked for over a year. She manages deposits, withdrawals, account openings (including CDs, checking, and savings), receptionist duties, and account updates—always with a focus on delivering excellent customer service. Though she attended Aplington-Parkersburg High School, Chyne lived in Ackley, Iowa during that time and now resides in Vincent. She studied Communications with a Business minor at Central College in Pella, gaining strong skills in interpersonal and intercultural communication. Her background in retail and customer service laid the foundation for her dedication to helping clients reach their financial goals. Outside of work, Chyne enjoys reading, baking, working on cars with her dad, and exploring trails with her fiancé and his daughter.

Shyann Brinkman Customer Service Representative Webster City

Meet Shyann Brinkman

Customer Service Representative

Shyann supports the team as a Customer Service Representative, where she helps keep things running smoothly by handling scanning and filing to ensure everything stays organized. She recently earned her high school diploma through a K–12 online public school and is excited to be starting her professional journey. Outside of work, Shyann is a proud cat mom to three beloved companions—Pepsi, Fredrick, and Crush—who always keep life interesting.

Elizabeth Luna Customer Service Representative Webster City

Meet Elizabeth Luna

Customer Service Representative

For the past three years, Elizabeth has been a friendly face at WCF Financial Bank, working as a Customer Service Representative. Whether it's answering everyday banking questions or handling teller transactions with ease, Elizabeth is always ready to help. Fluent in both Spanish and English, she also assists with translations—especially during home closings, which she finds incredibly rewarding. Outside of work, Elizabeth brings the same energy to her personal life. You’ll often find her jamming to music, exploring local parks on walks, or showing off her moves in Just Dance. She loves spending quality time with her younger siblings and cruising around town with her fiancé—windows down, music up! A creative at heart, Elizabeth plays the flute and is currently learning the art of nail design from home. Whether it’s helping customers or mastering a new skill, Elizabeth does it all with a smile.

Not Sure Who to Talk With?

No problem. Get in touch with us and we’ll find the right personal banker, ready to assist you.

Contact the Team

Your Checking Questions Answered

Our goal is to get the answers to your questions to you as quickly as possible. If you don’t see what you’re looking for here, please reach out, we’re happy to help.

For all new accounts, a valid, current identification, such as a driver’s license, state ID card or U.S. passport, is needed. We also need a second form of ID, such as Social Security or ITIN card. In some cases, we will also request address verification. A minimum opening deposit is required for all checking and savings accounts.

Online Banking customers will always have access to this information by logging into their accounts. Other customers may contact us, and we’ll assist with these questions.

To add an owner, stop in anytime and see a Customer Service Representative.

To remove an owner, stop in anytime and see a Customer Service Representative to close the account and open a new one with your new ownership preferences.

Any transactions made before 5 p.m. will be processed the same business day. Transactions made after 5 p.m. will be processed on the next business day, and those made on Saturday at the drive-up will be processed the next business day.

A stop payment can be placed by coming into any of our locations and signing a stop payment form. There is a fee of $30 (plus tax) for a stop payment.

Yes, you can enroll for eStatements through Online Banking.

Learn more about how FDIC insurance protects your deposits up to $250,000.