Checking Accounts

Westerra Credit Union gives you the power of options when it comes to personal money management. Our checking account products offer a variety of choices so you can select the account that fits your needs. We give back more to you through enhanced convenience, competitive rates, top-notch service and added value. We call it The Westerra Way.

Choose the Westerra account that best meets your needs!

= Feature comes with the account.

	Better Than Free Checking	Value Checking	Preferred Checking
Why choose this option?	No monthly fees and no minimum balance requirements - plus ATM rebates and e-services.	No monthly fees and no minimum balance requirements.	Returns higher dividends for higher balances - plus ATM rebates and other special privileges.
Free Checks
Minimum Balance	No minimum	No minimum	$10,000
Monthly Fee	-0-	-0-	$10 if balance falls below $10,000
Unlimited Surcharge-Free CO-OP Network ATM Transactions
Three Rebated ATM Fees Monthly From ATMs Outside the CO-OP Network†
Free VISA Debit Card With Approved Credit
Free eStatements	Required
Free Online Banking
Free Bill Payment
Member Check-Up With Free Annual Credit Report Review
Free Mortgage Review
Mortgage and Home Equity Loan Discounts
Auto Loan Discount*	.50% discount		.75% discount
Safe Deposit Box Discount
Personal Line of Credit Overdraft Protection Available With Approved Credit*
No Fees for Money Orders or Cashiers Checks
Direct Deposit	Required
Dividends			Click here for rates
Additional Dividends Click here for details on Preferred Money Market Accounts			Earn 5 basis points higher on Preferred Money Market Account rates.

Switching Your Checking Account Just Got Easier!

Now with our new Switch Kit you can easily switch your checking account from another financial institution to Westerra Credit Union. We have streamlined the process and much of the work is already done for you. Click here for the hassle-free Switch Kit.

Welcome Jeffco Members

All Jeffco Credit Union checking accounts transferred to Value Checking after the data processing merger.  If you would like to switch to Better Than Free or Preferred checking, no forms are necessary, simply call us at 303-321-4209 or 1-800-858-7212.  Click here for instructions and forms to change direct deposits.

Click here to sign up for FREE Online Banking, Bill Pay and eStatements.

You can access your checking account at over 190 convenient locations in Colorado! Visit www.cuservicenetwork.com.

Look for surcharge-FREE CO-OP Network ATMs at 7-Eleven ® stores and 1,000 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!

› Find An ATM Near You - Visit www.co-opnetwork.org
› Apply For Overdraft Protection
› Reorder Checks Online at www.clarkeamerican.com/checks
› Print Out A Checking Reconcilement Form

The Westerra Credit Union Routing and Transit (R&T) number is 302075319.

Are You Still Using Gateway Checks?
If so, please order Westerra checks now to avoid potential returns when the Gateway routing number is discontinued, according to federal regulations.  Call 303-321-4209 or 1-800-858-7212 to order. Please destroy any unused checks with the Gateway number 302070013 at the bottom left of the check.  All new Westerra checks automatically include the Westerra number 302075319. Be sure to provide the Westerra number to any originators of automated transactions, too.  Thank you!

† Westerra foreign ATM fee is $1.50 each. Three rebated on your statement each month. Fees from other financial institutions may apply.
* Subject to application and approval. Overdraft protection is available to qualified members.