PERSONAL BANKING
Account Add-ons
Customize your account, your way
Your financial needs are unique and your account should be unique, too. At White River Credit Union, we offer a variety of account add-ons designed to fit your lifestyle and goals. Whether saving for a rainy day, planning a holiday, or just wanting extra peace of mind, we’ve got you covered. Make your account work for you with our fun and flexible add-ons.
Account Add-on options
Market Savings
Boost your savings with higher interest rates. Our Market Savings add-on is perfect for members looking to grow their savings with competitive interest rates. Watch your money work harder for you while keeping it accessible.
Benefits
- Higher interest rates than standard savings
- Easy access to funds
- Unlimited transfers or withdrawals
Holiday Savings
Make your holidays merrier! With our Holiday Savings add-on, you can set aside money for those special celebrations throughout the year. Come the holiday season, you’ll be ready to spread joy without the stress.
Benefits
- Automatically transfer funds from your main account
- Earn interest on your holiday funds
- Withdraw your savings just in time for holiday shopping
Save for Something Savings
Got a goal? Get saving! Whether it’s a dream vacation, a new gadget, or a big event, our Save for Something Savings add-on helps you reach your financial goals faster. Set a target and watch your savings grow.
Benefits
- Personalized savings goals
- Automatically transfer funds from your main account
- Access progress anytime with online banking
Frosty Funds
Prepare for the unexpected winter chill! With Frosty Funds, current members can get up to $1,000 to help with holiday expenses and keep the jingle going into the new year.
Benefits
- Get $1,000 to help you with holiday expenses
- Discuss with a loan advisor to figure out your payment plan
- Have funds deposited directly into your checking or savings
Restrictions may apply.
Skip-A-Pay
Need a break? Take it! Life happens, and sometimes you need a little breathing room. Our Skip-A-Pay add-on allows you to skip a loan payment without penalty, giving you flexibility.
Benefits
- Skip one loan payment per year
- No late fees or penalties
- Helps manage unexpected expenses
Restrictions may apply.
Overdraft Protection (ODP)
Never worry about overdrafts again. Our Overdraft Protection add-on ensures you’re covered if your account balance drops too low. It’s a safety net for those oops moments.
Benefits
- Automatic coverage for overdrafts
- Avoid costly return fees
- Peace of mind knowing you’re protected
Included services
Direct Deposit
Take the hassle out of payday by automatically depositing your paycheck into your White River Credit Union account. If you receive Social Security or other regular deposits, Direct Deposit can automatically insert them into your account.
For Direct Deposit into your WRCU account, you will need:
- WRCU Routing Number: 325180401
- Your WRCU Account Number (must be in 12-digit format)
- Please call 360-825-4833 ext. 6 option 2 for assistance
Benefits
- Paychecks are deposited automatically to your account
- Deposits are made even if you’re out of town
- Payroll deductions
Automatic Transfers
Have your money transferred automatically. You choose the amount and time.
Benefits
- Easy setup up in Online Banking
- Unlimited transfers
- You decide the amount, when, and frequency
More about WRCU account add-ons
Tips for holiday savings and sleighing Cyber Week
Frosty Funds, Skip-A-Pay, and Holiday Loans 101
