(716) 771-5000 Routing #: 222382739 1937 Union Road, West Seneca, NY 14224 M – F: 8:30 AM – 5 PM. Sat: Drive Thru 9:00 am- 12:00 pm. Lobby hours by appt only. Like Us on Facebook 24 Hour Debit Card Services 1-833-574-3422

WNY Checking Accounts

The Best Example of Credit Union Value


Checking Account Features

  • First order of checks free (36 checks)
  • Direct Deposit
  • Online Banking e-Statements
  • Free First Visa® Debit Card/ATM Card
  • 24/7 VRU (Voice Response Unit)
  • Over 55,000 surcharge-free ATMs nationwide via Allpoint Network ATMs
  • Absolutely no per check fee, no minimum balance
  • See Fee Schedule
wny fcu debit cards


Experience the Credit Union Difference

Overdraft Protection

This is the member’s own funds covering a shortage in their draft account.

Fee: $5.00

Automatically enrolled

Starts: at account opening

CSS: Member Service will designate a Share Account as transfer account.

For any types of transfer

Courtesy Pay

This is Credit Union funds covering shortages up to $500.00

Fee: $25.00

Automatically enrolled

Starts: 90 days after account opening

CSS: Member Service will leave the default New Account.

For Checks and ACH only.

Extended Courtesy Pay

This is Credit Union funds covering shortages up to $500.00

Fee: $25.00

Must Opt-In and sign form.

Starts: 90 days after account opening

CSS: Member Service will either set the new member to Opt In/Opt Out at account opening.

For ATM & One time Debit Card transactions only.

Contact Us to Learn More
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Student Checking

The WNYFCU offers checking accounts to students as young as 16 years old*. Stop in today and begin to control your own financial future!

* Parental permission required for students under the age of 18.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

In order to manage risk, the Western New York Federal Credit Union will perform a Chex System Report on all individuals who wish to open an account. Based on the new Account Guidelines, an individual may or may not be able to join the credit union and/or open a share draft account, and/or receive a Debit or ATM Card. If you are denied membership, you will receive an adverse action form with the Chex System information and reason on it.

For more information, please see your credit union representative.