Convenient Services
We offer a number of services to make it easier for you to manage your finances and save you valuable time for the things you enjoy.
Convenient Branch Locations
With over 160 Colorado branch locations and 3,800 branches nationwide, we have a location near your home and work! We even offer Saturday and extended hours at select locations.
› Click here to find a branch near you
Convenient ATM Locations
Look for surcharge-FREE CO-OP Network ATMs at 7-Eleven ® stores and 800 convenient locations across Colorado—even at Denver International Airport! There are no fees at CO-OP Network ATMs—no matter how often you use them!
› Click here to find an ATM near you
FREE VISA® DEBIT CARD
- Our FREE VISA® Debit Card lets you make purchases anywhere VISA® is accepted.
- NO ANNUAL FEE.
- No interest charges since purchases are deducted directly from your checking account.
- Use it like an ATM card and get cash worldwide.
- Access to over 800 surcharge FREE ATMs in Colorado and over 28,000 FREE ATMs nationwide. Click here to find an ATM near you.
EARN SCORECARD POINTS ON YOUR FREE VISA® DEBIT CARD!
Earn ScoreCard Points everytime you use your FREE VISA® Debit Card or Westerra VISA® Credit Card. Click here to redeem your ScoreCard Points.
*One ScoreCard Point earned for every $3.00 purchased. Signature based purchases only.
FREE Online Banking
Available 24-hours a day, 7 days a week:
- Verify deposits and withdrawals
- View and print account activity and statements
- Transfer funds between your Westerra Credit Union accounts
- Make loan payments
- Request a copy of a check from your account
- Check balances
- And, much more!
› Enroll in FREE Online Banking Here
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Bill Pay
Pay your bills with just a click of a mouse. Pay virtually anything from your utilities to your health club dues, and add new payees at any time! Plus, it’s FREE! Click here to enroll.
FREE Electronic Statements
Want your statements sooner? Access your account information faster and at your convenience-including monthly account statements, credit card statements and home equity line of credit billing notices. There’s no need to wait for your statement to arrive in the mail or to bother with storing bulky statement envelopes; it’s paperless! E-Statements let you store up to six months of account history, too!
› Enroll in eStatements Here
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Direct Deposit
Have your paycheck automatically deposited into your account each payday. No need to make a trip to the Credit Union and stand in line. With direct deposit, you will get paid whether you're at work or not. Plus, direct deposit is a great way to protect yourself from lost or stolen paychecks. Our routing number is 302075319. Call 303-321-4209 for a direct deposit form.
Payroll Deduction
Payroll deduction is the regular and automatic deduction of funds from your paycheck to apply to specific Credit Union accounts. You simply determine the amount and distribution of the deduction to your Savings, Loans, IRAs, and/or your Holiday Club account.
Call 303-321-4209 for a payroll deduction form.
Automatic Payment
Automatic Payment is an electronic payment alternative to paper checks. When you use Automatic Payment, you authorize a company to electronically collect a preauthorized amount from your checking or savings account to pay a bill. Our routing number is 302075319.
24-Hour Phone Banking
For Transfers, Account Info, Loan Payments and More…
Phone Banking is a FREE, easy-to-use way to get account information 24-hours a day, 7-days a week. All you need is a telephone, your account number and your personal identification number. You then have access to your balances, you can transfer funds between your accounts, pay a loan, find out when a particular check cleared, and much more. 24-Hour Phone Banking makes access to your Credit Union as close as the nearest telephone. Simply call when it’s convenient for you and the automated system will walk you through the process to make the inquiries or transfers you need.
› Click here for a full menu of services
Getting Started
To sign up, simply call 303-320-7774 (from the 303 or 720 area codes) or 1-800-858-7213 (toll-free from outside the Denver metro area) and the 24-Hour Phone Banking system will lead you through the process. For the main menu of services, press 1. The system will then ask for your account number and access code (personal identification number). The first time you use the system, simply create your own access code with a minimum of 4 digits. For security purposes, the system will then ask you to create a second different access code with a minimum of 6 digits. You will need to use both codes each time you use the system. It will then ask you to select one of the primary menu options:
* Press 1 for Balance Inquiries
Savings, checking or loan account balances
* Press 2 for History Inquiries
Savings, checking or loan account transaction history, including ATMs, ACH, payroll and last deposits or loan payments
* Press 3 for Check Withdrawals
Withdrawals by check from a checking or savings account—or a loan advance by check
* Press 4 to Transfer Funds
Transfer funds between savings, checking or loan accounts, make a mortgage payment or request a credit card advance
* Press 5 for the Checking Menu
Learn which checks have cleared, make a stop payment, or request acopy of a check
* Press 6 for Loan Information
Loan and mortgage payment information, payoff amounts or loan advance totals
* Press 7 for Additional Options
Year-to-date dividends, interest and IRA contributions, or make menu
changes such as your access codes or the account number you are inquiring about
24-Hour Phone Banking is designed to make access to your accounts easier and more convenient. Please listen carefully as the system guides you through the entire process.
Telephone Service Center
If you have questions about our services, you may call our Telephone Service Center anytime between 8:00 a.m. and 6:00 p.m., Monday through Friday. Our trained staff is here to help with all your financial needs and questions.
To reach the Telephone Service Center call:
303-321-4209 or 1-800-858-7212
Auto Buying
Before you buy a new or used vehicle, take advantage of these tools to ensure you are making an informed decision. Before you shop, get your financing pre-approved—apply online, visit any Westerra location, or call us at 303-321-4209 or 1-800-858-7212. We’ll get you on the road fast in your new vehicle!
• Click here to find the current value of your vehicle
• Compare two or more vehicles
• Click here to search the current vehicle inventory
• Select the year, price and payment from the comfort of your home!
› Current Auto Rates
› Apply For an Auto Loan
› NADA Vehicle Value
Homebuyer Service
You’ll receive a 25% cash rebate on your real estate fees! One stop shopping for your home and mortgage loan! Our highly qualified and experienced real estate agents make buying or selling a home fast and easy.
› Find Out More About Our Homebuyer Service
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