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.

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

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

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

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

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.