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.  

Free Checking

Interest Checking

Why choose this option? No monthly fees, no minimum balance required. Returns higher interest for higher balances.

Minimum Balance

No minimum

$2,500

Monthly Fee

-0-

$10 if the monthly average of end-of-day balances is less than $2,500

Unlimited FREE
CO-OP Network ATMs

FREE
CO-OP is the second largest ATM network in the US

FREE
CO-OP is the second largest ATM network in the US

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.

Visa Debit Card With Rewards

FREE

FREE

Rewards Points on
Debit Card Purchases

Earn 1 reward point for every
$3 on purchases you sign for Redeem for cash, gift cards, travel and merchandise

Earn 1 reward point for every
$3 on purchases you sign for Redeem for cash, gift cards, travel and merchandise

Online Banking

FREE

FREE

Bill Payment

FREE

FREE

Mobile Banking and
Mobile Check Deposits

FREE

FREE

CardNav Security App
and Apple Pay 

FREE

FREE

eStatements

FREE

FREE

Financial Checkup With
Credit Report Review

FREE

FREE

Mortgage Checkup

FREE

FREE

Overdraft Protection 

Yes
View Overdraft Protection Options

Yes
View Overdraft Protection Options

Debit Card Overdraft Fee

-0-
Or Choose Courtesy Pay

-0-
Or Choose Courtesy Pay

Direct Deposit

FREE

FREE

Checks

Order Now

Order Now

Interest

Yes - based on balance
Interest paid on balances above $2,500.

Additional Interest

Earn 5 basis points higher on Preferred Money Market Account

Changes Effective October 1, 2018

Better Than Free and Value Checking are both renamed Free Checking. Direct Deposit and eStatements are no longer required. Discounts on loans and free check printing are no longer available.

Preferred Checking is renamed Interest Checking. Discounts on loans, fee waivers and free check printing are no longer available.

Free 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
CO-OP is the second largest ATM network in the US

ATMs Outside the
CO-OP Network


 4 FREE/month
Then $2 each. Other ATM owner may charge fee.

Visa Debit Card With Rewards

FREE

Rewards Points on
Debit Card Purchases

Earn 1 reward point for every
$3 on purchases you sign for Redeem for cash, gift cards, travel and merchandise

Online Banking

FREE

Bill Payment

FREE

Mobile Banking and
Mobile Check Deposits

FREE

CardNav Security App
and Apple Pay 

FREE

eStatements

FREE

Financial Checkup With
Credit Report Review

FREE

Mortgage Checkup

FREE

Overdraft Protection 

Yes
View Overdraft Protection Options

Debit Card Overdraft Fee

-0-
Or Choose Courtesy Pay

Direct Deposit

FREE

Checks

Order Now

Interest

Additional Interest

Changes Effective October 1, 2018

Better Than Free and Value Checking are both renamed Free Checking. Direct Deposit and eStatements are no longer required. Discounts on loans and free check printing are no longer available.

Interest Checking

Why choose this option? Returns higher interest for higher balances.

Minimum Balance

$2,500

Monthly Fee

$10 if the monthly average of end-of-day balances is less than $2,500

Unlimited FREE
CO-OP Network ATMs

FREE
CO-OP is the second largest ATM network in the US

ATMs Outside the
CO-OP Network


4 FREE/month
Then $2 each. ATM owner may charge fee.

Visa Debit Card With Rewards

FREE

Rewards Points on
Debit Card Purchases

Earn 1 reward point for every
$3 on purchases you sign for Redeem for cash, gift cards, travel and merchandise

Online Banking

FREE

Bill Payment

FREE

Mobile Banking and
Mobile Check Deposits

FREE

CardNav Security App
and Apple Pay 

FREE

eStatements

FREE

Financial Checkup With
Credit Report Review

FREE

Mortgage Checkup

FREE

Overdraft Protection 

Yes
View Overdraft Protection Options

Debit Card Overdraft Fee

-0-
Or Choose Courtesy Pay

Direct Deposit

FREE

Checks

Order Now

Interest

Yes - based on balance
Interest paid on balances above $2,500.

Additional Interest

Earn 5 basis points higher on Preferred Money Market Account

Changes Effective October 1, 2018

Preferred Checking is renamed Interest Checking. Discounts on loans, fee waivers and free check printing are no longer available.

                                              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.
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