Checking Accounts


Let us help fit the right checking account for you!

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. And for the ultimate in checking, try Wave Zone Banking where the more services you use the more rewards you gain. Download an ATM application to access our vast network of surcharge-free ATMs. And go online with a Wavenet online banking application.

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.

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

  • FREE bill pay
  • Unlimited check writing with free check images
  • FREE first order of checks
  • FREE ATM/Debit MasterCard
  • FREE 24-7 Waveline account access
  • FREE Unlimited ATM withdrawals at CU Connection locations
  • FREE transactions nationwide through shared branch network
  • Surcharge-free SUM®, CO-OP and MoneyPass® ATM access
  • A suite of Wave FCU Electronic Services
  • Cash Reserve/Checking Overdraft Line*

* Subject to credit approval. Additional conditions may apply

checking account Rewards

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Wave Basic Checking

  • No minimum balance requirement
  • No monthly fee
  • Free bill pay
  • Online banking
  • ATM-CU Connection/Shared branching

* may be subject to surcharge

Wave Select Checking

  • FREE Online Banking and Bill-Pay
  • 10 FREE foreign ATM withdrawals at surcharge free ATMs*

 

Annual
Rate

Annual 
% Yield

  Interest paid on balances over $100

.05%

.05%

  • $5 monthly fee waived with direct deposit or daily minimum balance of $500

 

* may be subject to surcharge

Wave Classic 55+ Checking

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

 

Annual
Rate

Annual
% Yield

  Interest paid on balances over $100

.05%

.05%

  • No monthly fee

 

* may be subject to surcharge

Wave Navigator Checking

  • FREE Online Banking and Bill-Pay
  • 10 FREE foreign ATM withdrawals*
  • Four tiered interest rate levels

 

Annual 
Rate

Annual 
% Yield

  Below $10,000

.15%

.15%

  $10,000 - $24,999

.20%

.20%

  $25,000 - $49,999

.30%

.30%

  $50,000 and over

.40%

.40%

  • $7.50 monthly fee waived with daily minimum balance of $7,500

* may be subject to 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.

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

Wave FCU Main Branch

Address: 480 Greenwich Ave, Warwick, RI 02886

Phone: (401) 781-1020
Fax: (401) 562-1290

Warwick Avenue Branch

Address: 1217 Warwick Ave, Warwick, RI 02888

Phone: (401) 463-9574
Fax: (401) 463-5161

 

MEMBER SUPPORT


In case you miss any information or just want to give us feedback, please feel free to contact us.

 

BUSINESS HOURS

MAIN BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

WARWICK AVENUE BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

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