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Share Draft (Checking)

You must be at least 18 years old or have a responsible adult1 at least 18 years old on your account to open a share draft (checking) account with WEPCO.  There is no minimum deposit or balance required. 

Unlimited number of checks per month can be written from this account as funds allow.  Canceled checks are not returned to member.  However, copies of share drafts (checks) are available online through our FREE PAL Plus online account access.  Converted checks which are checks that are processed as ACH transactions are not available online, but a copy can be requested.   You may receive your statement by mail or through eStatements.  Both PAL Plus and eStatements are available to all members absolutely FREE for secure, fast and convenient access to your account(s) or statement(s) 24/7.

1A member who under age 18 years old can open a checking account if there is an adult who is 18 or older on the account with them. The checks are required to have two (2) signatures. They may also apply for a VISA Debit Card but the adult who is 18 or older on the account with them must sign as the responsible party for the account and debit card.

Please check our Savings Rates to determine if a rate applies based on the balance in the account.   Dividends are determined by our board of directors, posted quarterly and are subject to change. 

For Seniors age 60 or older with Direct Deposit, WEPCO offers select checks FREE of charge!

Please click for a complete list of fees that may apply to a Share Draft Account.


Added Value Checking Account Option

WEPCO offers to our members a valued added checking called Priority Checking.  With Priority Checking, our members have all the same features of our regular share draft account but with the following added features:

  • AD&D Insurance with an additional coverage for Common Carrier
  • Travel Discount
  • Extended warranty
  • Prescription, Glasses and Contact Discounts
  • Shopper Assistance
  • Coupons
  • Free Checks

The cost for all these benefits are only $5.00 a month for our members who are 59 and younger and $2.50 a month for our members who are 60 or older.

For a full list of all the benefits,click the link for our WEPCO Priority Checking Brochure.


Courtesy Pay

Your personal Share Draft (checking) account2 will be authorized for Courtesy Pay 60 days after the opening date if the account is in good standing. This service allows WEPCO to pay an item presented for payment against your account, even if it causes the account to become overdrawn. While it is not an invitation to overdraw your account, it is an added layer of safety should you accidentally present items for more than you have in your account, or an inadvertent error causes the account to become overdrawn.

Courtesy Pay adds a pre-approved $500 overdraft limit to your personal Share Draft (checking) account. If you overdraw your account, we may pay each item up to your $500 limit. Your account will be accessed a non-sufficient funds or Courtesy Pay charge of $30 for each item we pay against an overdrawn account.

If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other account(s), we will always look to pay any overdraft by those other methods first which will charge a $5.00 transfer fee before paying your overdraft utilizing Courtesy Pay and imposing a $30 fee for each overdraft we pay.

There are many benefits to you with this authorization.

  • You won’t pay merchant returned check charges.
  • You won’t pay collection agency fees for returned items.
  • You avoid the embarrassment of items returned for insufficient funds.
  • You have the added measure of safety protecting your good credit rating.

We require no applications or additional signatures from you to add this safety measure to your personal Share Draft account. Courtesy Pay is simply a way for WEPCO to provide a higher level of service to our members by helping protect your account and reputation.  You may also opt-out of of this service if you do not wish coverage.

WEPCO will charge $30 per ACH (automatic debit) or share draft (check) that uses Courtesy Pay on a share draft account only.  Courtesy Pay does not include coverage for any one-time debit card or ATM transaction.   WEPCO will cover up to and not to exceed $500 for overdrafts which includes the charge(s) of $30 for each use of Courtesy Pay.  Members have up to 44 days to repay any overdrawn account.  First notice of a overdrawn account status is mailed on the fifteenth (15th) day proceeding the negative balance.  Second notice is mailed on the thirty-first (31st) day proceeding the negative balance. Upon reaching the 45 day proceeding the negative balance, the members account will be closed unless payment arrangement were made with our Collection Department.

2If a member has more than one Share Draft account with WEPCO, only one Share Draft is available for this coverage.  Member must choose which account to add this coverage to and sign an opt-out form for the additional account. 

Qwik Draft Bill Payer

Qwik Draft Bill Payer is our online and mobile Bill Payer service.  You can use it to pay your one-time or recurring bills to save time and money.  Qwik Draft is free to all members with a share draft account.  Any member that has been inactive for 90 days on Qwik Draft will be deactivated.   In addition, some vendors are available for eBill which links your online vendor account with Bill Payer. Some great features of bill payer are:

  • Payments – Set up one-time or recurring payments.
  • Pay a person – send money by email or text, direct deposit or check.
  • Transfers – transfer money from WEPCO to another financial institution you have linked to your bill payer account.
  • GiftPay – send gifts or donations to a recipient
  • Calendar – get a topical view of the month and how your bills are scheduled
  • Support – a toll-free number or live chat now option is available for support.
  • Demo – a demo is available to assist in setting up payments and use of the site.

Note: A Share Draft account is required prior to the issuance of Qwik Draft service.


VISA Debit Card

Our VISA Debit Card is FREE to members and can be used anywhere VISA is accepted.  You may make purchases at merchants’ stores which gives you convenient access directly to your available funds in your Share Draft account.  In addition, you will have access to your Share Savings and Share Draft available funds at any VISA/Star/Plus ATM (Automated Teller Machine).  We charge NO FEE to our member cardholders at our ATMs.  However, when you use another financial institutions ATM, a surcharge fee may apply.  Please read the surcharge sign at any ATM prior to using the ATM.  Using an ATM other than the ones listed may result in a fee charge by the owner of the ATM and a foreign ATM surcharge.

WEPCO has six ATMs located at our Bloomington, Keyser, Oakland, LaVale, and Kingwood Branches and on the main level lobby of Garrett Co. Memorial Hospital, Oakland, MD. ATM access is also provided at any STAR, Plus or VISA ATM. Again, its FREE to Members at our ATMs.  Members who use an ATM in the Western Maryland ATM connection will not be surcharged. Click to view the ATMs belonging to the Western Maryland ATM connection.

A Share Draft (checking) account is required in order to obtain a VISA Debit Card.

Activate Debit Cards

When ordering or reissuing a debit card, VISA does not mail the card activated for security reasons.  Once you receive your card, you will need to activate the card using your personal PIN provided by VISA by calling 1-800-448-8268.