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Personal

Spending

Everyday money

Become a member and open a free Everyday Money checking in about 5 minutes.

As a bonus - shop using your Westerra debit and credit cards to earn rewards points for your purchases. As of March 12, 2024, members who request a consumer debit card through our “instant issue” process will be provided a card that has the new Contactless feature. Starting May 2024, all members who have a consumer or business debit and/or credit card will receive a newly designed card featuring this Contactless technology. Learn more here.

A New Design is On Its Way!

Starting May 2024, all Westerra debit and credit card members will receive a newly designed Westerra card featuring Contactless technology. Members will receive an email notifying them their new card is on its way. This email will include the last four digits of the current card number. Card numbers will not change due to this re-issue.

Set up low balance alerts

You can set alerts in Digital Banking to get notified if your account reaches a certain high or low balance, or if transactions over a certain amount take place in your account.

Download the CardNav app

Receive notifications on your phone every time a transaction is made on your account, turn your credit & debit cards on or off instantly and more. Download this free app for iOS (Apple App Store) or Android (Google Play).

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Contactless is Here!

Contactless is quick, secure way for a transaction to process without the need to swipe or insert your Westerra debit or credit card (though, of course, you can still do both, if you prefer). As of March 12th, members who request a consumer debit card through our “instant issue” process will be provided one with the new Contactless feature. Otherwise, starting May 2024, all members who have a Westerra consumer or business debit and/or credit card will receive a newly designed card featuring Contactless technology. Keep an eye out for an important email from Westerra with more information! Verify your information by logging into your Digital Banking App and clicking on My Profile > Make Edits.

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Pay on the Go with Digital Wallet.

Add your Westerra card to Apple®, Google™ or Samsung Pay™ Digital Wallet to always have a convenient, secure way to pay in-store, online and in-app. 



Restrictions apply. Apple, Google and Samsung are registered trademarks.

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Everyday Money (and earning)

A checking account for the way you live (and spend) today. No monthly fees. No minimum balance required. Plus a debit card that helps you earn rewards. Checks optional.

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Interested in earning interest?

Get rewarded with higher interest for a higher balance. It's your typical checking account with some extra incentives.

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Give your wallet some credit

Pay for daily transactions and bills with a credit card — then pay it off each month. That way, you can earn reward points for cash back and more. It's secure and helps you build that all-important credit score.

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Why do so many Colorado businesses choose Westerra?

Westerra in the Mile High & beyond

Debit Card Assistance

Westerra Rewards

Browse cash back, travel, gift cards and merchandise rewards, or go here for more information on how to redeem Westerra Rewards points.

Pay on the Go

Set up your Apple®, Google™ or Samsung Pay™ on your device to pay with your Westerra card on the go. Learn more about how to set up digital wallets here.

Card assistance

PIN changes

If you would like to change your existing PIN number (and know what your current PIN number is!) please visit any Westerra ATM. If you need to create a new PIN issued on your consumer debit card, visit any branch during regular business hours and receive it the same day or if you would like to receive a new PIN in the mail, call us at 303-321-4209 or 1-800-858-7212 for assistance.

Travel alerts

Send us a message through Digital Banking or notify us at 303-321-4209 with your travel dates and destination to head off any potential fraud alert service interruption.

CardNav security

Download this free app for iOS (Apple App Store) or Android (Google Play) to add an extra layer of protection to your debit or credit cards.

Start your savings today (like, right here)

Personal Savings Accounts
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There’s no place like home

Explore loans
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Give your wallet some credit

Explore credit cards
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Ready to become a Westerra member?

We'd love for you to join our community

How to Apply for a Membership
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Overdrafts happen

WeGotYa covered with Courtesy Pay.

Sign up for Courtesy Pay and add an extra layer of protection to your checking account.

Learn More

*Membership eligibility required and account qualifications apply. $5 prime share deposit required for membership. A $25 opening deposit is required for an Everyday Money Checking account. Transactions at ATMs not owned by Westerra or in a partnership with the CO-OP Network may incur fees by the machine’s owner. Review Westerra’s important account information and Fee Schedule for more information.

**At Westerra Credit Union, our approach is to help members better manage their accounts by providing money management tools.Westerra Credit Union is known for fewer fees. Here's our Service Charge and Fee Schedule.

Visa and the Visa logo are registered trademarks of Visa International Services Association. Apple Pay and the Apple Pay logo are trademarks of Apple Inc. Google Pay and the Google Pay logo are a trademarks of Google Inc. Samsung Pay and the Samsung Pay logo are registered trademarks of Samsung Electronics Co., Ltd.