Free Checking With Rewards

Whether you are new to the area--
or new to the idea of switching to a local credit union

--now is the time to make your move.  

Better Than Free Checking

Value Checking

Preferred Checking

Why choose this option? No monthly fees, no minimum balance - plus discounts. No monthly fees, no minimum balance required. Returns higher interest for higher balances - plus other privileges.

Minimum Balance

No minimum

No minimum

$10,000

Monthly Fee

-0-

-0-

-0-

Unlimited FREE
CO-OP Network ATMs

FREE

FREE

FREE

ATMs Outside the
CO-OP Network


FREE
(Other ATM owner may charge fee)


FREE
(Other ATM owner may charge fee)


FREE
(Other ATM owner may charge fee)

Visa Debit Card With Rewards


FREE
(Earn 1 point for every $3
in purchases you sign for)


FREE
(Earn 1 point for every $3
in purchases you sign for)

FREE
(Earn 1 point for every $3
in purchases you sign for)

Checks

FREE

First Box Free

FREE

Online Banking

FREE

FREE

FREE

Bill Payment

FREE

FREE

FREE

Mobile Banking App and Mobile Check Deposits

FREE

FREE

FREE

CardNav Security App and Apple Pay 

FREE

FREE

FREE

eStatements


FREE
(Required)

FREE

FREE

Member Check-Up With Credit Report Review

FREE

FREE

FREE

Mortgage Review

FREE

FREE

FREE

Mortgage and Home Equity Loan Discounts

Yes

Yes

Auto Loan Discount

.50% discount

.75% discount

Safe Deposit Box Rebate

Yes

Money Orders or Cashiers Checks

FREE

Line of Credit with approved credit

Yes

Yes

Yes

Debit Card Overdraft Fee

-0-

-0-

-0-

Direct Deposit


FREE
(Required)

FREE

FREE

Interest

Yes - based on balance

Additional Interest

Earn 5 basis points higher on Preferred Money Market Account

Better Than Free Checking

Why choose this option? No monthly fees, no minimum balance - plus discounts.

Minimum Balance

No minimum

Monthly Fee

-0-

Unlimited FREE
CO-OP Network ATMs

FREE

ATMs Outside the
CO-OP Network


FREE
(Other ATM owner may charge fee)

Visa Debit Card With Rewards


FREE
(Earn 1 point for every $3
in purchases you sign for)

Checks

FREE

Online Banking

FREE

Bill Payment

FREE

Mobile Banking App and Mobile Check Deposits

FREE

CardNav Security App and Apple Pay 

FREE

eStatements


FREE
(Required)

Member Check-Up With Credit Report Review

FREE

Mortgage Review

FREE

Mortgage and Home Equity Loan Discounts

Yes

Auto Loan Discount

.50% discount

Safe Deposit Box Rebate

Money Orders or Cashiers Checks

Line of Credit with approved credit

Yes

Debit Card Overdraft Fee

-0-

Direct Deposit


FREE
(Required)

Interest

Additional Interest

Value Checking

Why choose this option? No monthly fees, no minimum balance required.

Minimum Balance

No minimum

Monthly Fee

-0-

Unlimited FREE
CO-OP Network ATMs

FREE

ATMs Outside the
CO-OP Network


FREE
(Other ATM owner may charge fee)

Visa Debit Card With Rewards


FREE
(Earn 1 point for every $3
in purchases you sign for)

Checks

First Box Free

Online Banking

FREE

Bill Payment

FREE

Mobile Banking App and Mobile Check Deposits

FREE

CardNav Security App and Apple Pay 

FREE

eStatements

FREE

Member Check-Up With Credit Report Review

FREE

Mortgage Review

FREE

Mortgage and Home Equity Loan Discounts

Auto Loan Discount

Safe Deposit Box Rebate

Money Orders or Cashiers Checks

Line of Credit with approved credit

Yes

Debit Card Overdraft Fee

-0-

Direct Deposit

FREE

Interest

Additional Interest

Preferred Checking

Why choose this option? Returns higher interest for higher balances - plus other privileges.

Minimum Balance

$10,000

Monthly Fee

-0-

Unlimited FREE
CO-OP Network ATMs

FREE

ATMs Outside the
CO-OP Network


FREE
(Other ATM owner may charge fee)

Visa Debit Card With Rewards

FREE
(Earn 1 point for every $3
in purchases you sign for)

Checks

FREE

Online Banking

FREE

Bill Payment

FREE

Mobile Banking App and Mobile Check Deposits

FREE

CardNav Security App and Apple Pay 

FREE

eStatements

FREE

Member Check-Up With Credit Report Review

FREE

Mortgage Review

FREE

Mortgage and Home Equity Loan Discounts

Yes

Auto Loan Discount

.75% discount

Safe Deposit Box Rebate

Yes

Money Orders or Cashiers Checks

FREE

Line of Credit with approved credit

Yes

Debit Card Overdraft Fee

-0-

Direct Deposit

FREE

Interest

Yes - based on balance

Additional Interest

Earn 5 basis points higher on Preferred Money Market Account

                                              Follow these 5 steps to switch your checking account to Westerra!

How much is your bank checking account costing you?  
On average, consumers save $261 per year when they switch to Westerra.* Compare Westerra checking to bank checking.

  • Credit unions work together by sharing branches - You can access your Westerra accounts at any of the 200 CO-OP Shared Branches in Colorado and 5,000 nationwide.  Deposits, transfers and withdrawals are easy when you or your family are out-of-town on business, traveling on vacation, away at college—or simply looking for a branch nearby. Find CO-OP Shared Branches.
  • 1000 free ATMs - You’ll find surcharge-free ATM access through the CO-OP Network at 1000 ATMs in Colorado and 30,000 nationwide, including 5,500 at 7-Eleven locations throughout the U.S. and Canada.  You’ll also find CO-OP Network ATMs at Denver International Airport. Find Free ATMs.
  • Checking without fees - With no monthly fees, no ATM fees and no debit card overdraft fees, Westerra has significantly fewer and lower fees than other financial institutions.  Deposits are federally insured by NCUA.  
                                Open your account online, stop by any branch location, or schedule an appointment.
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