Skip to main content

btn online banking | btn join now


Checking Accounts


Let us help fit the right checking account for you!

Checking Choices

At Wave we offer you four truly liberating checking choices – Basic, Select, Classic and Navigator – that are loaded with freebies including discounts on loan rates, no fee or interest bearing options plus a whole lot more.

Overdraft Protection Options

Wave checking accounts are available with three convenient options to protect against inadvertently overdrawing your account. You can have funds transferred from your savings account to your checking account. You can apply for a cash reserve loan. Or there is overdraft privilege which charges you for each overdrawn item but pays those items up to a maximum amount. One of our member service representatives can help select what’s best for your situation.

Finally, go green and more with WavErewards, electronic communications and statements with built-in rewards.

Go green with WavErewards

Opening your account is quick and easy so why wait? Start riding the Wave today!

* Subject to credit approval. Additional conditions may apply

Start Your Application!

Please let us know your name.

Please write a subject for your message.

Please write a subject for your message.

Invalid Input

Invalid Input

Please let us know your email address.

Invalid Input

Wave Basic Checking

  • No minimum balance requirement
  • No monthly fee
  • Free bill pay
  • Online banking
  • Surcharge Free ATM network access

See our Current Rates

* May be subject to a surcharge

Wave Select Checking

  • FREE Online Banking and Bill-Pay
  • 10 FREE foreign ATM withdrawals at surcharge free ATMs*
  • $5 monthly fee waived with direct deposit or daily minimum balance of $500

See our Current Rates

* May be subject to a surcharge

Wave Classic 55+ Checking

  • No minimum balance requirement
  • FREE Online Banking and Bill-Pay
  • 10 FREE foreign ATM withdrawals at surcharge free ATMs*
  • No monthly fee

See our Current Rates

* May be subject to a surcharge

Wave Navigator Checking

  • FREE Online Banking and Bill-Pay
  • 10 FREE foreign ATM withdrawals*
  • Four tiered interest rate levels
  • $7.50 monthly fee waived with daily minimum balance of $7,500

See our Current Rates


* May be subject to a surcharge

Wave Student Checking

A package of services specifically designed for today’s busy student.

  • A FREE Checking Account
  • A Wave ATM/Debit MasterCard*
  • Surcharge-Free ATM Network Access
  • FREE Online Banking
  • FREE 24/7 Account Access
  • A NO ANNUAL FEE 11.99%APR Visa Credit Card**

Plus, parents can transfer from their Wave Account to their student’s account as needed. Not only is this an ideal account, but it’s also a good way to teach responsible money management.

* Daily withdrawal limit may vary
** $1,000 limit. Requires qualified co-borrower.

See our Current Rates

*** may be subject to surcharge

To open an account, or for complete information, visit any convenient Wave Office or call a Member Service Representative at (401) 781-1020.