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BusinessSpending

Simplify business spending once and for all

We think business checking and business credit cards should be simple and intuitive — oh, and earn you lots of rewards too. 

There’s a lot to love about business checking with Westerra

Overdraft protection

Not enough funds? No worries. There’s no overdraft fee on business checking accounts. Plus, we offer overdraft protection options.

Get paid early

When you sign up for Courtesy Pay, you’re protected from additional merchant charges in case of an overdraft.

Free, free, free

Here are the benefits that come standard (and free!) with all of our business checking accounts: online and mobile banking, Pay Bills, Apple Pay, CardNav card security app and eStatements.

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Reward yourself with debit card business checking

Using the points you earn from that fancy client dinner to pay for the next fancy client dinner? Oh yeah. Cash back, gift cards, travel, experiences and merchandise are just a handful of the things you can redeem for checking rewards.

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Free ATMs

We believe that ATMs should be just like birds...free. Tap into a network of 1,000 free ATMs across Colorado and 30,000 nationwide with the CO-OP network. You can also visit another credit union’s branches to get the same free-ATM perks. Isn’t that majestic?

Compare options

Look below, and check out our business checking calculator.

Account features

Business value checking

Business preferred checking

Business high balance checking

Minimum balance

No minimum

$5,000

$50,000

Monthly fee

$0

$10 (if your monthly average of end-of-day balance is less than $5,000)

$30 (if your monthly average of end-of-day balance is less than $50,000)

Transactions

100 free/month ($0.30 per item after that)

250 free/month ($0.35 per item after that)

400 free/month ($0.20 per item after that)

Cash processing

$5,000 free/month (after that limit, there’s a 0.10% fee)

$10,000 free/month (after that limit, there’s a 0.10% fee)

$25,000 free/month (after that limit, there’s a 0.10% fee)

ATMs in the CO-OP network

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

ATMs outside of the CO-OP network

Four free/month (then $2 each, and the ATM owner may charge other fees)

Four free/month (then $2 each, and the ATM owner may charge other fees)

Four free/month (then $2 each, and the ATM owner may charge other fees)

Interest

None

Based on your balance

Based on your balance

Checks

Free

Free

Free

Woman holding her credit card to a card reader

Give your business the credit it deserves, with the perks you expect

Unlimited rewards and low rates are at your fingertips (and in your wallet) with our Business Visa® Rewards and Business Visa credit cards. Credit lines from $500 – $25,000 are available, with competitive rates and credit union perks all along the way.

"We" repeated 6 times

The Westerra humble-brag

→ Why us? Westerra's community is built on meaningful personal relationships, not transactions. We're here for you with real support for your goals, your money and your financial education. That's the Westerra way.

Let’s touch base offline.

We’re here to talk about which spending and credit options are right for you

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