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  Wings FCU First Class Checking
Wings FCU First Class Checking
in Checking Accounts from Wings Financial Credit Union · Insured by NCUA
Unaffiliated

Wings FCU First Class Checking

Unaffiliated
in Checking Accounts from Wings Financial Credit Union · Insured by NCUA
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
3 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01%
(Verified 08/08/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Wings FCU First Class Checking Review

Wings FCU First Class Checking is offered by Wings Financial Credit Union, a credit union founded in 1938 and based in Apple Valley, MN. Wings FCU First Class Checking is available in 5 states across the USA.

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.01%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • Small minimum initial deposit. You only need $5 to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through Wings Financial Credit Union.

Wings Financial checking account Pros & Cons

Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Only available in 5 states.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.

Wings Financial checking account FAQ

Are checking accounts from Wings Financial Credit Union federally insured?

Yes, your Wings Financial Credit Union 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 Wings Financial checking account offer?

Wings FCU First Class Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.01%

Wings Financial checking account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Wings Financial checking account?

Wings Financial checking account requires a minimum initial deposit of $5 to open an account.

Wings FCU First Class Checking Minimums
Description
Minimum Opening Deposit Starting at $5
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Wings Financial checking account charge?

The good news is that this account does not have a monthly Service Charge.

Wings FCU First Class Checking Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $2
Debit Card Replacement Fee $10
Early Account Closure $0

Does Wings Financial checking account charge overdraft fees?

Yes, Wings Financial checking account charges a $30 fee for every overdraft.

Wings Financial checking account offers overdraft protection at a cost of $30 per transaction.

What features and perks does Wings Financial checking account offer?

This account includes the following features:

  • Fraud monitoring - Wings Financial checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Wings Financial checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Wings Financial checking account?

The customer support email for Wings Financial checking account is info@wingsfinancial.com.

How do people rate the customer service and user experience of Wings Financial checking account?

Overall, Wings Financial checking account is strongly not recommended based on community reviews that rate customer service and user experience.

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Message From Wings Financial Credit Union

Whether you're looking for a simple banking experience or to increase your dividend earning potential, there's a checking account that's perfect for you. Get everyday simplicity, plus dividends & rewards, with a First Class Checking account. The Wings First Class Checking account is a simplified checking account with rewards potential, so you can enjoy exceptional checking benefits and easy access from anywhere.

 



Availability

  Available in 5 states
  • Florida
  • Georgia
  • Michigan
  • Minnesota
  • Washington

Feature Breakdown

Minimum Opening Deposit Starting at $5
Minimum Balance to Avoid Monthly Fee Starting at $0
Monthly Fee $0
ATM Fee: In-Network $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Online Bill Pay Fee $0
Early Account Closure $0
ATM Fee: Out-of-Network Starting at $2.50
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $2
Check Copy $2
Debit Card Replacement Fee $10
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.01%
(Verified 08/08/2022)

Wings FCU First Class Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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