Bank Closed
All branches of WCF Financial Bank will be closed on Monday, October 9, 2023 in observance of the Columbus Day holiday. All business transacted after 5 pm on Friday will be processed on Tuesday, October 10th. WCF will resume our normal business hours on Tuesday, October 10th.
Branches Closing Early
Our Tama branch and Webster City branch including the drive-up will be closing at 3:00 on Wednesday, October 4th to allow for staff training. These branches will be open for normal business hours on Thursday, October 5th.
Because everyone has different spending habits and goals, we provide three options for your personal checking account:
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Kasasa Cash® |
Kasasa Cash Back® |
Traditional Checking | |
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| Choose what is important to you | Free checking that pays high interest! | Be rewarded for your everyday habits, such as using your debit card! | Basic checking at its best |
| Account Rewards |
Earn 5.00% 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 |
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| ATM Rewards - Fees refunded, nationwide! |
(up to $25/month) |
(up to $25/month) |
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| Minimum amount to open | $50 | $50 | $50 |
| Minimum balance | None | None | None |
| Minimum balance required to obtain stated APY* | $0.01 | ||
| Service Fees | None | None | None |
| Interest earning |  |
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| Unlimited check writing | |
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| Free debit card | |
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| Online Banking | |
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| Mobile Banking with mobile deposit | |
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| eStatements | |
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| Online Bill Pay | |
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| Overdraft protection eligibility** | |
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| 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
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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 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.
