Last Updated: 01/21/2026
Wichita Falls Teachers FCU Platinum Checking Account
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Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 09/10/2024)
Monthly Maintenance Fee
$6(Verified 01/21/2026)
Wichita Falls Teachers FCU Platinum Checking Account Review
The Wichita Falls Teachers FCU Platinum Checking Account is offered by Wichita Falls Teachers Federal Credit Union, a credit union founded in 1937 and based in Wichita Falls, TX. Wichita Falls Teachers FCU Platinum Checking Account is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- Waivable monthly maintenance fee. Platinum Checking is only $6/month and is free for student accounts! Platinum checking is FREE if you maintain a $1,000 minimum balance.
Wichita Falls Teachers FCU Platinum Checking Account Pros & Cons
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Wichita Falls Teachers FCU Platinum Checking Account FAQ
Are checking accounts from Wichita Falls Teachers Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Wichita Falls Teachers FCU Platinum Checking Account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Wichita Falls Teachers FCU Platinum Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $500.00.
What are the account minimums for Wichita Falls Teachers FCU Platinum Checking Account?
Wichita Falls Teachers FCU Platinum Checking Account requires a minimum initial deposit of $50.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $1,000.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Wichita Falls Teachers FCU Platinum Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $6.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $6.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Waiver Requirements | Platinum Checking is only $6/month and is free for student accounts! Platinum checking is FREE if you maintain a $1,000 minimum balance. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Wichita Falls Teachers FCU Platinum Checking Account charge overdraft fees?
Yes, Wichita Falls Teachers FCU Platinum Checking Account charges a $30.00 fee for every overdraft.What features and perks does Wichita Falls Teachers FCU Platinum Checking Account offer?
This account includes the following features:
- Mobile Banking Services - Wichita Falls Teachers FCU Platinum Checking Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
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Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%
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Monthly Service Fee
$0
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