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Mark your calendar for our upcoming Wellby Shred Days and community drives!

We’ve more than doubled our dividend rates for our high-yield checking and
savings accounts - Learn More!

Our Pasadena North branch is currently Drive Thru only. For branch needs, visit
our Park Place branch or find a branch near you by visiting our Location Center.

 * Routing Number: 313083992
 * Branches and ATMs

 * Make a Payment
 * Rates & Fees
 * Contact Us

 * Make a Payment
 * Rates & Fees
 * Contact Us


Apply Now
Login


 * What We Offer
   
    * * SAVE
      * Wellby Savings
      * Wellby Savings Plus
      * Youth Savings
      * IRA Accounts
      * Certificates
    * * SPEND
      * Wellby Spending
      * Wellby Secure Spending
      * Wellby Spending Plus
      * Youth Checking
      * Debit Cards
      * Overdraft Services
    * * BORROW
      * Auto Loans
      * Real Estate Loans
      * Personal Loans
    * * CREDIT CARDS
      * Visa Platinum
      * Visa Platinum Rewards
   
   
   SAVE MONEY WITH A LOWER RATE ON A 10-YEAR ARM
   
   An Adjustable-Rate Mortgage (ARM) gives you flexibility and more buying power
   to own your dream home.
   LEARN MORE & APPLY ONLINE

 * Helpful Resources
   
    * * BANK ANYWHERE
      * Telebanking
      * In Person Banking
      * Mobile Banking
      * Online Banking
    * * TOOLS
      * Financial Calculators
      * Location Center
      * Security Center
      * Fraud & Scam Protection
      * Video Library
      * Account Forms
      * Online Payment Center
      * Currency Exchange
    * * ASK US
    * * 
    * * HOW-TO'S
      * Account Management
      * Borrow Wisely
      * Budget Successfully
      * Empower and Support
      * Plan Confidently
      * Save Easily
      * Spend Mindfully
    * * EVENTS & SEMINARS
      * Holiday Hours
      * Wellby Shred Days
      * Member Advocacy Group
   
   
   FINANCIAL POWER IN YOUR POCKET
   
   Wellby mobile banking empowers you to manage your finances from a single
   platform anywhere life takes you.
   
   DOWNLOAD OUR APP

 * Access Member Benefits
   
    * * IDENTITY THEFT RECOVERY
   
   
   BECOME A MEMBER TODAY!
   
   With low or no fees, low initial deposits, and no minimum balance required,
   we offer unique banking solutions designed to fit your needs and financial
   goals.
   
   LEARN MORE

 * Get to Know Wellby
   
    * * ABOUT US
      * Wellby Difference
      * Our Story
      * Newsroom
      * Annual Reports
   
   
   DISCOVER THE WELLBY DIFFERENCE
   
   At Wellby, you’re more than just an account holder and our purpose is to help
   turn your dreams into reality.
   
   START HERE
   Apply Now
   Login
   
    * Routing Number: 313083992
    * Branches and ATMs
    * Make a Payment
    * Rates & Fees
    * Contact Us

Mark your calendar for our upcoming Wellby Shred Days and community drives!

We’ve more than doubled our dividend rates for our high-yield checking and
savings accounts - Learn More!

Our Pasadena North branch is currently Drive Thru only. For branch needs, visit
our Park Place branch or find a branch near you by visiting our Location Center.

 * What We Offer
 * Helpful Resources
 * Access Member Benefits
 * Get to Know Wellby

 * SAVE
 * Wellby Savings
 * Wellby Savings Plus
 * Youth Savings
 * IRA Accounts
 * Certificates

 * SPEND
 * Wellby Spending
 * Wellby Secure Spending
 * Wellby Spending Plus
 * Youth Checking
 * Debit Cards
 * Overdraft Services

 * BORROW
 * Auto Loans
 * Real Estate Loans
 * Personal Loans

 * CREDIT CARDS
 * Visa Platinum
 * Visa Platinum Rewards


SAVE MONEY WITH A LOWER RATE ON A 10-YEAR ARM

An Adjustable-Rate Mortgage (ARM) gives you flexibility and more buying power to
own your dream home.
LEARN MORE & APPLY ONLINE
 * BANK ANYWHERE
 * Telebanking
 * In Person Banking
 * Mobile Banking
 * Online Banking

 * TOOLS
 * Financial Calculators
 * Location Center
 * Security Center
 * Fraud & Scam Protection
 * Video Library
 * Account Forms
 * Online Payment Center
 * Currency Exchange

 * ASK US

 * 

 * HOW-TO'S
 * Account Management
 * Borrow Wisely
 * Budget Successfully
 * Empower and Support
 * Plan Confidently
 * Save Easily
 * Spend Mindfully

 * EVENTS & SEMINARS
 * Holiday Hours
 * Wellby Shred Days
 * Member Advocacy Group


FINANCIAL POWER IN YOUR POCKET

Wellby mobile banking empowers you to manage your finances from a single
platform anywhere life takes you.

DOWNLOAD OUR APP
 * IDENTITY THEFT RECOVERY


BECOME A MEMBER TODAY!

With low or no fees, low initial deposits, and no minimum balance required, we
offer unique banking solutions designed to fit your needs and financial goals.

LEARN MORE
 * ABOUT US
 * Wellby Difference
 * Our Story
 * Newsroom
 * Annual Reports


DISCOVER THE WELLBY DIFFERENCE

At Wellby, you’re more than just an account holder and our purpose is to help
turn your dreams into reality.

START HERE


WELLBY SPENDING PLUS


EARN MORE WITH HIGHER DIVIDEND RETURNS AND THE VERSATILITY OF YOUR EVERYDAY
CHECKING ACCOUNT ROLLED INTO ONE.


Get Started

Benefits
Product Details
Expanded Identity Monitoring
Compare
Rates
FAQs


GET MORE FOR YOUR MONEY

The Wellby Spending Plus account offers more ways to reach your financial goals.

 * Interest earning checking with dividends paid monthly
 * Higher interest rates on higher balances
 * Up to $15 ATM fee reimbursement
 * Expanded identity theft protection with nxg|PROTECT
 * Mobile Phone Coverage* - Insurance coverage for your phone repair or
   replacement


 * Interest earning checking with dividends paid monthly*
 * Higher interest rates on higher balances*
 * Up to $15 ATM fee reimbursement*
 * Expanded Identity Theft Protection with Vero ID +


WE OFFER ADVANTAGES LIKE NEVER BEFORE

MONEY MANAGEMENT TOOLS

Set savings goals and transaction alerts to keep track of your spending.

 



CONVENIENT WAYS TO PAY

Free Visa™ debit card, digital wallet, P2P transfers, and a free box of checks
each calendar year.


TOP-LEVEL SECURITY

24/7 fraud monitoring, security alerts, and $0 liability protection for
fraudulent charges.



A LOW SERVICE FEE YOU CAN WAIVE

We’ll waive your $10 monthly service fee if you: 

 * Set up a direct deposit of at least $4,500 per month
 * Register for our online banking platform and are an active user by logging in
   once every three months
 * Complete one of the following: eight or more posted debit card transactions
   or bill payments, or $100,000+ in lending balances with Wellby




EASY MONEY TRANSFERS

Transfer money between your accounts and outside of Wellby with our peer-to-peer
services.


YOUR MONEY WHEN YOU NEED IT

With free access to more than 5,000 credit unions and 55,000+ free ATMs, your
funds are never out of reach.

Apply Today



YOUR MONEY WORKS SMARTER, NOT HARDER

Enjoy dividend rates slightly higher than high-yield savings account with no
minimum balance or direct deposit requirements.


COMPARE CHECKING ACCOUNTS

ProductWellby SpendingWellby Spending PlusWellby Secure SpendingWellby
Achievement CardWellby Early Start CheckingInitial Deposit$25$25$25$10$10Monthly
Fee$0$10/Free*$6/Free$0$0Debit CardChecksOnline Bill PayOverdraft ServiceATM
ServicesIdentity Theft RecoveryExpanded Identity Theft Protection & Mobile Phone
Coverage*


NXG|PROTECT PROGRAM

With the support of the nxg|PROTECT program, a Wellby Secure Spending or Wellby
Spending Plus account provides you access to expanded identity monitoring
services in addition to the fully-managed identity theft recovery services
included with all accounts. Keep your identity safe and secure with the extended
benefits included in the nxg|PROTECT program.

 * Annual tri-bureau credit reports and scores available once every 12 months on
   demand.
 * Monitor credit activity with TransUnion® immediately and extend monitoring to
   include Experian® and Equifax® at any time.
 * Dark Web Monitoring to detect personal information such as email addresses,
   credit card numbers, and passwords.

Additionally, nxg|MOBILE provides Mobile Phone Coverage with easy-to-use mobile
phone insurance for all phones owned by the primary account holder.

Learn More
Disclosure

WELLBY SPENDING

WELLBY SECURE SPENDING

WELLBY SPENDING PLUS

WELLBY ACHIEVEMENT CARD

WELLBY EARLY START CHECKING

ACCOUNT TYPE


WELLBY SPENDING

BalancesDividend Rate


ACCRUAL OF DIVIDENDS. For all dividend earning accounts, interest will begin to
accrue on the business day that non-cash items (i.e., checks) are deposited to
the account. If you close your account before interest is paid, you will not
receive the accrued interest.

Annual Percentage Yield (APY)


RATE INFORMATION. The Annual Percentage Yield (APY) is a percentage rate that
reflects the total amount of dividends to be paid on an account based on the
dividend rate and frequency of compounding for an annual period. Dividend rates
and APY are variable rates The variable rate may change without notice.

Minimum Opening DepositMinimum Balance to Earn APY


ACCRUAL OF DIVIDENDS. For all dividend earning accounts, interest will begin to
accrue on the business day that non-cash items (i.e., checks) are deposited to
the account. If you close your account before interest is paid, you will not
receive the accrued interest.

MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements may include a
minimum opening deposit, the minimum balance you must maintain in the account to
avoid service fees, and the minimum balance that you must maintain each day to
earn the stated Annual Percentage Yield (APY) for that account. The Par value of
a share in this credit union is disclosed in the Fee Schedule.

BALANCE COMPUTATION METHOD. We use the Average Daily Balance to calculate
interest on your account. The Average Daily Balance Method applies a periodic
rate to the average daily balance in the account for the period. The average
daily balance is calculated by adding the balance in the account for each day of
the period and dividing that figure by the number of days in the period.

Minimum Balance to Avoid Service Fee


MINIMUM BALANCE REQUIREMENTS. The minimum balance requirements may include a
minimum opening deposit, the minimum balance you must maintain in the account to
avoid service fees, and the minimum balance that you must maintain each day to
earn the stated Annual Percentage Yield (APY) for that account. The Par value of
a share in this credit union is disclosed in the Fee Schedule.

BALANCE COMPUTATION METHOD. We use the Average Daily Balance to calculate
interest on your account. The Average Daily Balance Method applies a periodic
rate to the average daily balance in the account for the period. The average
daily balance is calculated by adding the balance in the account for each day of
the period and dividing that figure by the number of days in the period.

Dividends Compounded


ACCRUAL OF DIVIDENDS. For all dividend earning accounts, interest will begin to
accrue on the business day that non-cash items (i.e., checks) are deposited to
the account. If you close your account before interest is paid, you will not
receive the accrued interest.

COMPOUNDING AND CREDITING. The compounding and crediting frequency of dividends
and the dividend period applicable to each account are stated in the Rate
Schedule. The dividend period is the period of time at the end of which an
account earns dividend credit. The dividend period begins on the first calendar
day of the period and ends on the last calendar day of the period.

Dividend Credited


ACCRUAL OF DIVIDENDS. For all dividend earning accounts, interest will begin to
accrue on the business day that non-cash items (i.e., checks) are deposited to
the account. If you close your account before interest is paid, you will not
receive the accrued interest.

COMPOUNDING AND CREDITING. The compounding and crediting frequency of dividends
and the dividend period applicable to each account are stated in the Rate
Schedule. The dividend period is the period of time at the end of which an
account earns dividend credit. The dividend period begins on the first calendar
day of the period and ends on the last calendar day of the period.

$0.01+0.03%0.03%$25.00$0.01$0.00DailyMonthly

Download


LET'S GET STARTED

Complete your online application and start enjoying your Wellby Spending Plus
account benefits today. Online applications take only a few minutes and can be
approved instantly.

Apply Now


WELLY SPENDING PLUS FAQS

Learn all about the Wellby Spending Plus account and how best to utilize its
tools to achieve your goals.

Learn More

COMMON QUESTIONS

How do I apply for a Wellby Spending Plus account?

You can open a new Wellby Spending Plus account by applying online, visiting one
of our branches conveniently located throughout the Houston area, or on our
mobile app.

Does the Wellby Spending Plus account have any fees?

Yes, the Wellby Spending Plus account has a low $10 monthly service fee with the
ability to waive this fee if you qualify.
We’ll waive your $10 monthly service fee if you:

 * Set up a direct deposit of at least $4,500 per month
 * Register for our online banking platform and are an active user by logging in
   once every three months
 * Complete one of the following: eight or more posted debit card transactions
   or bill payments, or $100,000+ in lending balances with Wellby

Can I manage my Wellby Spending Plus account online?

Yes! Your Wellby Spending Plus account comes with free online and mobile banking
services including online bill pay, mobile check deposit, account transfers, and
much more.

How do I activate the enhanced identity theft monitoring services that are
included with my Wellby Spending Plus account?

After you open your Wellby Spending Plus account, we will send you information,
including the steps to activate your nxg|PROTECT program for enhanced identity
theft monitoring services. It is a simple, one-time registration process to
start utilizing your benefits.


WELLBY FINANCIAL

Our StoryContact UsLocationsWellby NewsroomCareers(281) 488-7070(800)
940-0708Routing Number: 313083992
Our StoryContact UsLocationsWellby NewsroomCareers(281) 488-7070(800)
940-0708Routing Number: 313083992


WHAT WE OFFER

CheckingSavingsVehicle LoansHome LoansPersonal LoansCredit Cards
CheckingSavingsVehicle LoansHome LoansPersonal LoansCredit Cards


RESOURCES

Ask UsHow-To'sBank AnywhereRates & FeesFinancial CalculatorsAccount
FormsCurrency ExchangeSystems Status
Ask UsHow-To'sBank AnywhereRates & FeesFinancial CalculatorsAccount
FormsCurrency ExchangeSystems Status

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