Home | Contact Us| Rates| Site Map | CU Login


Free Checking
You have heard by now that most banks started charging monthly fees for Checking Accounts?

At WFD Credit Union, you have unlimited free checking with no minimum balance requirement. Deposits can be made through payroll deduction, direct deposit and electronic funds transfer.
• NO monthly service fee
• NO minimum balance required
• FREE bill payer
• FREE online banking and phone teller services
• FREE direct deposit
• UNLIMITED check writing
Visa® Debit/ATM
Visa® Debit/ATM Card

Replace your checks with the convenience of a Visa® Debit/ATM card to pay for goods and services wherever Visa® is accepted at stores, online, over the phone, etc. Using your debit card allows you to shop using the account assigned to your card as hassle-free as using a credit card. Present the card to any vendor that accepts Visa® and the purchase amount is deducted directly from the assigned account. You can also access your money fee free at any ATM that displays the VISA®, NYCE, PLUS or MoneyPass logos.

Finding the MoneyPass ATM location nearest you is easy: Simply visit www.moneypass.com to access the MoneyPass ATM locator and find surcharge-free ATMs near you. For even greater convenience, you can access the mobile MoneyPass website at mobile.moneypass.com and download locator apps for your iPhone or Droid.

Other benefits of using your Visa® Debit/ATM card:

• Easy to use – your card is more readily accepted than a personal check especially for purchases out of state or in another country.1
• No monthly or Point-of-Sale transaction fees.
• Complete transaction record with your monthly statement.
• Some merchants allow you to get cash back when using the card as a Debit card and entering your PIN.

1 If you plan on traveling out of the state of Massachusetts, please contact us at 508-752-1122 prior to your trip to ensure you will be able to process your transactions.
Direct Deposit

Direct Deposit is the electronic transfer of your paycheck, Social Security benefit, pension, annuity check, or other payment into your account.

With Direct Deposit, you can have your paycheck, Social Security or retirement check, or other recurring payment electronically transferred and automatically deposited into your account. Direct deposit ensures that your funds are available as soon as possible. Your funds are automatically deposited to your credit union account. Your entire paycheck can be distributed in any combination to your accounts each pay period including automatically making loan payments.

Enjoy the numerous benefits from Direct Deposit:

– Having your paycheck directly deposited into to your checking or savings account eliminates the need for you to visit the credit union. Quicker funds availability
– Direct deposits allows access to your money the same day it’s deposited, making it faster.

– When you are absent or on vacation, you will not need to make special arrangements to obtain your paycheck; it will automatically be directed to your account. Let your employer know you’re interested in signing up for direct deposit.


When you choose to have your paycheck deposited to your checking account, you simply provide your employer with your account number which is located on the bottom of your account checks and our routing number (211387127). If you don’t have checks please contact the credit union for your account number.


If you choose to have your paycheck deposited to a credit union savings (share) account, provide your employer with your complete savings account number and routing number (211387127). You can find your savings account number on your monthly statement or through your online banking account listing.
Payroll Deduction
Payroll Deduction

Payroll deduction is one of the most convenient ways to handle your accounts

With payroll deduction, you can take a portion of your paycheck and have it automatically transferred to any credit union accounts you choose. You can also have any deducted amount applied directly to your loan payments.

If you are a City of Worcester Fire Department employee, contact us to sign-up for payroll deduction. Otherwise, let your employer know you’re interested in signing up for payroll deduction, then once that is arranged, contact us and let us know what transfers you would like to have done automatically with each paycheck.