Online Banking FAQs

How to Log in to Online Business Banking & Bill Pay
Online Business Banking FAQs
Bill Pay FAQs
CardNav FAQs

How to Log In to Online Business Banking & Bill Pay

To log in to Online Business Banking and Bill Pay, enter your Username and Password on any page of the website in the top right corner of the screen. Click the Login tab, then select the Business Tab. If you have forgotten your password, click on the "Forgot Your Password?" link and the system will guide you through the process of gaining a new password.

If this is your first time using Online Business Banking and Bill Pay, click the "First time users enroll here" link. Read and "Accept" the Online Business Banking disclosures and enter your business account number, your Tax Identification Number (TIN), email and zip code. Next, create a username and choose an email address to receive your temporary password at. Enter your temporary password and then create a new password. Once you are logged in, you will be prompted to choose and answer three security questions and confirm or edit your contact information.

Do you have other specific questions about logging into your Online Business Banking account? Visit our Online Business Banking Login Help page.

To use Free Bill Pay, log in to your Online Business Banking Account and simply click the "Bill Pay" widget.

Online Business Banking - Frequently Asked Questions

What if I am having difficulty viewing Online Business Banking?
Please make sure you are using one of the supported browsers to view Online Business Banking:

  • Google Chrome: Latest 2 versions
  • Firefox: Latest 2 versions
  • Internet Explorer: v11
  • Microsoft Edge: Latest 2 versions
  • Safari: Last 2 major versions
  • IOS: Last 2 major versions
  • Android: v5.0 and above

Where can I view my e-statements?
To view your e-statements, simply click on the “Statements” link within the account details screen. You can view your e-statements within all account types.

How do I send Westerra a message?
You can click on the Message Center widget or on your name in the top right corner and click on Messages. After that, click Compose, choose a subject, the account you’re messaging about (you can also choose no specific account), then type your message and attach a file if necessary then hit send.

What payment method can I use to pay bills?
You can use Bill Pay to pay your bills in Online Business Banking. ACH credit and wires are coming soon.

We’re here to help!
If you have questions, please call 303-321-4209 or email us at

Bill Pay - Frequently Asked Questions

How quickly will my bills be paid?
Bills are paid on the date the payment is due. 

When will my payment be debited from my account?
Your account will be debited the day the bill is due.

What payment methods can I use to pay my bills?
You can use Bill Pay to pay your bills in Online Business Banking. ACH credit and wires are coming soon.

What is an e-Bill?
An e-Bill, or electronic bill, is like the paper statement you receive each month now in an electronic format for viewing online. You can see all of the same detail in an e-Bill that you can in a paper statement, and more.

Can I view and pay bills that might be in another person's name? 
Companies that provide bills through this service will allow you to view any e-Bills you are authorized to see based on the information you provided during the sign-up process. In some cases, these companies may elect to allow you to view bills where another individual's name, such as a spouse, is on the account, as long as you successfully provide the verification information required by biller/payee. Please make sure you are aware of the biller/payees’ policies.

What are the computer system requirements to use the Bill Payment service?
Westerra Bill Pay supports the following browsers:

  • Microsoft IE 6.0 and Higher (XP and Vista)
  • Firefox 2.0 or Higher
  • Safari 2.0 or Higher

Javascript is required for the application to function properly. If not enabled, certain features and functions will not work properly.

Screen Resolution: 800 x 600 VGA or 1024 x 768 VGA.
Windows Display Browser Text Size should be medium.
Properties Settings should be 96 dpi (Windows default).

Who do I contact if I have questions about my bill pay account?
If you have any questions while you are using Westerra’s Bill Pay Service, click any “Help” link, call us at 303-321-4209 or 1-800-858-7212, or click the “Messages” link to send us your question.

CardNav – Frequently Asked Questions

What is CardNav?
The CardNav technology developed by CO-OP allows business cardholders superior control, security, and financial visibility via their mobile phones. Cardholders can manage their cards on-the-go with intuitive mobile apps available in iOS and Android platforms. They can control when and where their cards can be used as well as view and act on instant alerts when transactions are processed, perform card management functions such as turning the card on/off, and perform basic mobile banking functions such as view balances and transactions, transfers funds between accounts linked to a card, and search for nearby ATMs.

How does CardNav work?
CardNav enables a cardholder to define controls for card usage and to define preferences for alerts to be received when transactions using the enrolled card are made or attempted.

Is CardNav secure?
Yes, CardNav is secure and uses the following safeguards:

  • The mobile application does not store any protected cardholder data (such as debit or credit card numbers, PIN, CVV/CVV2, etc.)

  • It only identifies a payment card using commonly used references such as the last four digits of the card number and the cardholder name.

  • The user provides login credentials and passes them to the authentication server without storing any passwords internally.

  • There is a passcode-based feature for applications lock/unlock, where the passcode is stored on the mobile device. Unauthorized attempts into the application are prevented by locking the application after a fixed number of invalid attempts, and forcing the user to provide their login credentials for subsequent app usage.

  • In case of lost mobile devices, the mobile app can be remotely deactivated, thereby stopping any unauthorized access register.

How does CardNav work with existing fraud programs?
CardNav does not replace our real-time fraud monitoring program. Rather, it provides an extra layer of security by notifying the user of any potentially suspicious transactions. We will continue monitoring transactions according to member’s spending norms and fraud trends.

What should I do if I receive a CardNav transaction alert for a transaction that I did not make?
Contact the credit union immediately at 303-321-4209 or 1-800-858-7212. We can research the transaction and verify the transaction. Sometimes merchants will process transaction under a parent company and you will not recognize the transaction as legitimate. If the alert comes during credit union’s non-office hours, turn your card off until we can verity the transaction for you. You can turn your card on for a small window to complete transactions as you need and turn it off as soon as your transaction is complete to safeguard further non-authorized transactions.

Can the App be controlled from a desktop or laptop computer?
No, this is a mobile app and is controlled by a smartphone or tablet.

Will CardNav work outside the U.S.?
Yes. If your phone works, the app will work.

Can transactions be conducted in foreign currencies?
Yes. Transaction amounts are displayed in issuer currency, but transactions may be initiated and authorized in any currency.

Does location functionality depend on phone signal? As an example, I travel to an area of Colorado where my phone has no signal. If set to “My Location” would this impact use of my card?
An alert is triggered or a control is initiated by in-store transactions that occur outside of the area where your primary mobile device is located. The mobile device must have location services (GPS) enabled with permission to use the current location. If your phone is turned off, without cellular service, or does not provide GPS location coordinates it will use the last saved GPS location. However, if this situation occurs for more than eight hours, CardNav temporarily ignores the My Location policies. Transactions would not trigger alerts or control denials based on My Location preferences during this time; however an alert would be generated informing the cardholder that a transaction was conducted.

Is there an ATM locator on the App?
Yes. You will be able to search for “All” ATMs via a Google search in the app.

What if my card is turned off and can’t get it turned back on using the App?
You should always be able to turn your card back on using the app, unless they have lost your phone. In that case, we can turn on the card for you.

How long can I leave my card “off”?
You can turn your card off, leave it off as long as you want to, and only turn it back on when you want to perform transactions.

If I have two credit union accounts and a business debit card with each, can I manage the different cards from the same CardNav account?
A separate CardNav account would be required for each card that belongs to a different account.

How do I get started?
Simply download the CardNav App onto your smartphone from the App Store (IOS) or Google Play Store (Android). Then, enroll into the system by presenting your card credentials and going through additional user-verification checks. You will also be prompted to create a new four-digit passcode and/or a touch ID option. Once enrolled, you can specify controls and alerts.