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 required.	Returns higher interest for higher balances.
	Free Checking	Interest Checking
	Open Account	Open Account
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 (when this account has a minimum balance of $10,000).
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.
	Open Account	Open Account

Why choose this option?	No monthly fees, no minimum balance required.
	Free Checking
Open Account
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.
Open Account

Why choose this option?	Returns higher interest for higher balances.
	Interest Checking
Open Account
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 (when this account has a minimum balance of $10,000).
Changes Effective October 1, 2018	Preferred Checking is renamed Interest Checking. Discounts on loans, fee waivers and free check printing are no longer available.
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.

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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.