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Checking Accounts

We offer two types of checking accounts to fit your needs: Simply Better Checking and Simple Checking.  Check out the comparison in the chart below to determine which account is right for you!

Features Simply Better Checking Simple Checking
No Minimum Balance X X
Free Debit Card X X
24/7 Account Access X X
Identity Protection X
Credit Monitoring X
Cellphone Protection2 X
Extended Warranty on Debit Purchases2 X
Travel, Leisure, and Health Savings4 X
Up to $10,000 Accidental Death & Dismemberment Insurance2,3 X
$4.00 per month $2.00 per month or Free with eStatements

IDProtect service is a personal identity theft protection service available to personal checking
account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.

If you wish to update a beneficiary or name a beneficiary, please contact West Michigan Credit Union to complete a beneficiary form.  Otherwise, if there is no designated beneficiary on file, benefits will be paid according to the Master Policy.  For questions regarding claims or your coverage, call 1-866-210-0361.

4This is NOT insurance.

Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

Working together as the most trusted resource to help our members' financial lives be simply better.