Westerra’s New Online Banking System

Here are some of the enhancements you will see:

• Easier Navigation - Enjoy an updated look where you can easily find your account information. You can choose your favorite screens and even customize them to fit your needs.
• Secure Messages - Have questions about your account? Send us a secure message and receive information back quickly.
• E-Alerts - Set up e-mail alerts to send you information regarding your account including balances, transaction information and messages from the Credit Union.
• Pay Your Bills - Our free Bill Pay service is now even easier to access. You can pay your bills by simply logging in to your Online Banking account.
• View Your Statements - Want your statement sooner? View your eStatement by the first business day of the month by using the eStatement feature.
• Account Balances – Stay informed about your accounts. Check your balances, view recent transactions, and even nickname your accounts.
• Transfer Funds – Make one-time and recurring transfers. Use the “Quick Transfer” feature to easily transfer funds between accounts.
• Make Loan Payments – Make payments quickly and securely. Westerra mortgage loan holders will have a new process to make your mortgage payment—the system will easily guide you.
• Safeguard Your Account - Protecting your account has never been easier. You can log on to Online Banking at any time for current account information. You can also update your account.

Click here to enroll in Online Banking

Frequently Asked Questions 

How do I log in to the new Online Banking System?
To log in to the new Online Banking System, visit www.westerracu.com and click on "Sign on to Online Banking" in the top right corner of the screen. You will then click on "Enroll in Online Banking."  Accept the Online Banking disclosures and enter your account (member) number, the primary account holder's social security number, date of birth and new password. Once you are logged in, you will be prompted to choose and answer four security questions.

If you are a Bill Pay user, you are now able to use your current Online Banking username to log in to both Online Banking and Bill Pay. You will no longer need a separate Bill Pay username and password. Watch your mail for your new password within the next week. Visit www.westerracu.com and click on "Sign into Online Banking." Use your current username for your account(s) and the new password. Look for more information about the new system at www.westerracu.com/onlinebanking.

What do I do if I have forgotten my Username and/or have not received my password? (For Bill Pay Users)
If you have forgotten your username or have not received your password by mail, please give us a call at 303-321-4209 or 1-800-858-7212 during normal business hours Monday through Friday from 8:00 a.m. to 6:00 p.m.

How do I view all of my account balances and information?
By using the "Financial Overview" tab, you can view all of your accounts and balances. If you have more than 10 accounts, click the "more accounts" link at the bottom of the screen. You can also view your accounts on the "Accounts" tab.

How do I view transactions within my accounts?
Simply click on the Account Name from the "Financial Overview" page or the "Accounts" page. You will then be able to view the account activity.

How do I transfer funds between my accounts?
To transfer funds between accounts, you can use the "Quick Transfer" box on the "Financial Overview" page or use the "Transfer" tab to schedule single transfers or recurring transfers.

How do I transfer funds to a different account number?
If you wish to transfer funds to a separate account number, please call 303-321-4209 or 1-800-858-7212 during normal business hours.

Why do I not have any pending payments or transfers?
Due to a change in the way transactions are processed, the pending transactions are not available to be viewed in Online Banking. They will, of course, show in your transaction history when the transactions are processed and posted.  The best way to keep track of pending transactions is to use a paper register or retain receipts. However, if you're not accustomed to using a paper register, and are interested in knowing about a particular pending transaction, you are welcome to call us and we can provide that information to you.  Another alternative is to use our Bill Pay service, where pending Bill Pay items do appear.

How do I view my mortgage information?
To view your mortgage balance and other information, click on the "My Mortgage" link at the top right hand corner of the screen. Please call us to obtain your mortgage loan number to enroll in "My Mortgage."

How do I make my mortgage payment?
To make your mortgage payment, simply transfer the funds from the account you choose to the "Mortgage Payment" account that includes the address of the property. (i.e. MTG PYMT ACCT 1234 Main St.)

How do I send a secure message to the Credit Union?
To send Westerra a message, click on "Send Message."  You can also request information about a specific transaction by clicking on the envelope icon next to each transaction.

How do I set up e-mail alerts?
To set up e-mail alerts, click on the "Alerts" tab and create a contact point which is an e-mail address or phone number (i.e. 303-333-3333@vtext.com ) to receive your alerts. You can set up alerts for balances, transactions, and to inform you that a secure message has arrived.

When will I receive my alerts?
You will receive your alerts daily by 9:30 a.m. (MST). Transaction alerts are based on transactions from the previous day. Balance alerts are based on the balances as of 8:00 a.m. (MST) that day.

How can I view my eStatement?
To view your eStatement, click on the "Financial Overview" tab or "Accounts" tab and then click on "eStatements."  You can also click on the "Self Service" tab and go to "Manage My Favorites." You can then click on "Select a Favorite" drop down menu in the upper right hand corner and select "eStatements."

How do I access my bills?(for current Bill Pay Users)
If you are a current Bill Pay user, you will no longer have a separate sign-on to Bill Pay. You can now manage your bills by logging on to Westerra Online Banking and clicking on the "Bill Pay" tab. You can also access Bill Pay on the "Financial Overview" tab by using the "Pay a Bill" and "Quick Pay" tabs near the bottom left of your screen.

How do I sign up for free Bill Pay in the system?
To sign up for free Bill Pay, click on the "Bill Pay" tab and follow the enrollment instructions.

How do I make a loan payment?
To make your loan payment, simply transfer the funds from the account you choose to the Loan account where the payment is due. To do this, you can use the "Quick Transfer" option on the "Financial Overview" tab. You can also go to the "Accounts" tab and click on "Transfer Now" next to the loan account. Lastly, you can click on the "Transfer" tab and transfer the funds to your loan account.

How can I view images of my cleared checks?
To view images of your cleared checks, simply click on the check number within the transaction history of the account.

How can I place a stop payment on a check that has not cleared?
To place a stop payment on a check that has not yet cleared, click on the "Self Service" tab and click on Stop Payment Request. You can stop payment on one check or a series of checks.

How do I change my personal information?
To change personal information such as your password, e-mail addresses, and other preferences, click on the "Self Service" tab to find these options.

How do I change my physical address?
To change your physical address, click on the "Messages" tab and click on "Send us a Message" and select "Other" to send us a secure message with your new address information. We will then send a confirmation back to you when the change has been completed.

How do I download my account activity to Intuit Quicken?
To download your account activity into Intuit Quicken, click on the "Accounts" tab and then "Transaction Download."  You will then be able to export a file to your computer. Please follow the instructions below:
 
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