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.

How Much Can You Save By Switching to Westerra

Westerra members save $261 per year in lower fees on checking compared to users of banks.

Debit Cards With Rewards

Earn rewards for cash back, gift cards, travel and merchandise. Choose your card design and select your own PIN.

Free ATMS

1,000 free ATMs across Colorado and 30,000 nationwide. Credit unions throughout the US share branches, too!

5 Steps to Switch

Five easy steps to move your checking to Westerra from another financial institution.

How to Determine Your Account Number

Information you need for setting up direct deposit and electronic payments.

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.
	Better Than Free Checking	Value Checking	Preferred Checking
	Open Account	Open Account	Open Account
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	4 FREE/month (Then $2 each. Other ATM owner may charge fee.)	4 FREE/month (Then $2 each. ATM owner may charge fee.)	4 FREE/month (Then $2 each. 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
Overdraft Protection	Yes View Overdraft Protection Options	Yes View Overdraft Protection Options	Yes View Overdraft Protection Options
Debit Card Overdraft Fee	-0- Or Choose Courtesy Pay	-0- Or Choose Courtesy Pay	-0- Or Choose Courtesy Pay
Direct Deposit	FREE (Required)	FREE	FREE
Interest			Yes - based on balance
Additional Interest			Earn 5 basis points higher on Preferred Money Market Account
	Open Account	Open Account	Open Account

Why choose this option?	No monthly fees, no minimum balance - plus discounts.
	Better Than Free Checking
Open Account
Minimum Balance	No minimum
Monthly Fee	-0-
Unlimited FREE CO-OP Network ATMs	FREE
ATMs Outside the CO-OP Network	4 FREE/month (Then $2 each. 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
Overdraft Protection	Yes View Overdraft Protection Options
Debit Card Overdraft Fee	-0- Or Choose Courtesy Pay
Direct Deposit	FREE (Required)
Interest
Additional Interest
Open Account

Why choose this option?	No monthly fees, no minimum balance required.
	Value Checking
Open Account
Minimum Balance	No minimum
Monthly Fee	-0-
Unlimited FREE CO-OP Network ATMs	FREE
ATMs Outside the CO-OP Network	4 FREE/month (Then $2 each. 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
Overdraft Protection	Yes View Overdraft Protection Options
Debit Card Overdraft Fee	-0- Or Choose Courtesy Pay
Direct Deposit	FREE
Interest
Additional Interest
Open Account

Why choose this option?	Returns higher interest for higher balances - plus other privileges.
	Preferred Checking
Open Account
Minimum Balance	$10,000
Monthly Fee	-0-
Unlimited FREE CO-OP Network ATMs	FREE
ATMs Outside the CO-OP Network	4 FREE/month (Then $2 each. 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
Overdraft Protection	Yes View Overdraft Protection Options
Debit Card Overdraft Fee	-0- Or Choose Courtesy Pay
Direct Deposit	FREE
Interest	Yes - based on balance
Additional Interest	Earn 5 basis points higher on Preferred Money Market Account
Open 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. Look at options for overdraft protection.

Open your account online, stop by any branch location, or schedule an appointment.

WHICH CARD DO YOU WANT?

Choose from our gallery of FREE VISA® debit card designs--issued instantly at any branch!

WITH CASH-BACK REWARDS!

How We Compare

How much is it costing you to use a bank?

Locally-Owned by Our Members

Westerra takes pride in being among the few locally-owned financial institutions in Colorado.

Financial Tips

Money management tips to help you make the most of your money.

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.