KEEP AN EYE OUT
We'll be emailing you to confirm the date when your account will be upgraded.
You'll receive the email in either June, July or August, 2022 to learn the date your account will be upgraded.
This email will provide a link that leads you through the process of changing your password and logging to the new Digital Banking. Your new password will then carry through to the new Westerra mobile app. After changing your password online, you must download the new Westerra mobile app. On your mobile device, open the App Store (Apple) or Google Play (Android) and download the new app – then look for the logo with the white background. Finally, launch the app and enter your Westerra Digital Banking username and new password.
AFTER YOU LOG IN...
... Check that any future payments you had scheduled are still set up.
Your Bill Pay payees and scheduled payments should already be in the new Digital Banking platform. If you do not see them, set them up.
If you had any automated Online Banking internal transfers or payments set up, check that these are in Move Money – Scheduled Transfers. If you do not see them, set them up in Move Money – Make a Transfer.
Any external transfer data will not carry over. You can set up external transfers in Move Money – External Transfers or through Pay People.
The Pay People feature is a free person-to-person payment service that replaces PopMoney. Add any account details you had in PopMoney to Pay People; these will not be on the new Digital Banking platform.
The new Digital Banking will include enhanced security measures and a multi-factor authentication process, including a security verification that will only let you login to the new platform to change your password by answering a text or phone call. Therefore, it is important we have your most updated email and phone number.
Please check this information the next time you log into your personal online banking account, and update this information as needed. Click on Settings at the top right, then click Profile. Select Email and Phone Number, follow the security step to verify your identity, and confirm or update your email address and phone number. Please place your primary phone number in the home phone field.
If we do not have your accurate email address and identity verification phone number on record in online banking, before we migrate your account to the new Digital Banking platform, you will be unable, for security purposes, to log in to Digital Banking after you download the new app. You will then need to call us to update your information at 303-321-4209 so you can proceed with setting your password to log in.
This is just the beginning!
Watch for more exciting tools and enhancements in future releases that will revolutionize the way you interact with your banking! While the new navigation and self-service options are designed to make your banking experience easy, we have included answers to some frequently asked questions below. If you need assistance, please call us at 303-321-4209.
Frequently Asked Questions
The Reasons Behind This Transition
As Westerra transforms into a modern financial community, we want to provide you a five-star experience at every touchpoint. This best-in-class platform will create the digital experience you expect — and as future releases are made, will revolutionize the way you interact with your banking, giving you the freedom to control your money, your way. This is just the beginning — watch for more exciting tools and enhancements in future releases!
Member Timeline for Upgrades
If you are a new Westerra member who joined on or after June 13, 2022, you already have access to the new Digital Banking so you will not receive an email and you do not need to take any action.
All other members will receive an email in June, July, August or September with a link to login. Members are being upgraded in groups.
Business online banking is not changing. Your business login credentials and business online banking will remain the same. These changes apply only to personal accounts.
No – business accounts will continue only to be viewable in business online banking, as they are today.
Downloading and Logging-In
The email you receive will be from Westerra Credit Union, from the same email address we typically use to send our messages: firstname.lastname@example.org.
It will be sent to the email address you have on record in online banking.
The subject line will read: Westerra’s new Digital Banking is here — password change required.
The email will include the last four digits of your account number and a personalized link to streamline the process.
When you click on the link, the platform will ask you to verify your Social Security Number and date of birth, and then to reset your password.
Then for security purposes, the platform will send you a text message or phone call (using the phone number you stored in online banking prior to the date of your upgrade).
Prior to your upgrade, please confirm we have your current information by logging in to online banking, going to Settings at the top right, and then clicking on Profile. Select Email and Phone Number, follow the security step to verify your identity, and confirm or update your email address and phone number.
Confirm your identity with the security verification code.
Our new Digital Banking will then be available to you!
If you prefer to go to our website rather than clicking on the link in the email: After you receive the email, go to the Westerra website and click on the Login button as you typically do. The platform will then lead you through the process with a few additional security verification steps.
Yes – the first time you login after you receive the email, you will need to change your password. Click on the link in the email and the platform will guide you through the process. Your new password must meet the password requirements:
A minimum of nine characters.
At least one lowercase letter.
At least one UPPERCASE letter.
At least one number.
You will be able to see the password as you are entering it.
After you change your password through the provided link, the new password will carry through to the new Westerra mobile app.
No – use your existing username to gain access the new platform. After you have changed your password and are logged in, you will have the opportunity to change your username if you choose. If you change your username, it will carry through to the new Westerra mobile app along with your new password.
Yes – after you have changed your password, use your same username and password for both.
Mobile and App Information
No – enrollment in Digital Banking must be made through the link in the email you receive, through an online browser, or by going to the Westerra website. You can do this on your desktop or tablet, or online through your mobile phone.
(There is also a Westerra app for business banking which does not access your personal account, so do not choose that app). Please uninstall the old Westerra app.
No – after you change your password in Digital Banking, the previous app will no longer give you access to your Westerra accounts. Simply delete it from your phone.
Yes – you can continue to access these apps. Your password will not change.
Bill Pay, Payments and Transfers
Yes – your payees, scheduled payments and six month’s history will automatically transfer to the new platform.
If you do not see them, set them up by following the steps in the new Bill Pay Dashboard to ensure you do not miss any payments.
In the new platform, you’ll even see instant person-to-person payments when using your debit card! However, you will not have access to make changes in Bill Pay during the week prior to the upgrade. All payments already scheduled will continue as normal during that time period.
You can schedule electronic payments for as soon as the next day.
For payments that are made by check, the earliest date you can schedule is five business days.
For electronic payments, the money leaves your account on the Send date. Previously the funds were withdrawn from your account on the Due date.
In some cases, a laser check must be issued to the biller. For these check payments, the money leaves your account when the check is cashed/deposited. This is the same as on the previous platform.
In your list of payees, electronic payees will have a lightning bolt next to their names; check payees will have an envelope next to their names.
3:00 p.m. Mountain Time.
You can schedule recurring payments with no end date. You can even schedule annual payments. If you should happen to schedule a payment to be received on a weekend or a holiday, it will automatically adjust to the following business day. This is a small change — in the previous platform, those payments automatically adjusted to the day prior to the weekend or holiday.
You can pay your online bills using a spending/checking account or money market account.
External Transfers are an option in Digital Banking that enables you to:
Transfer money between (to or from) your Westerra account and your account at another financial institution.
Set up automated recurring transfers to save time.
The money is debited/withdrawn from your Westerra account on the Send date. In the previous platform, funds were withdrawn the day after the Send date.
The money is credited to/received at your external account within three business days of the Send date, just as they were in to the previous platform.
The cutoff time is 3:00 p.m. Mountain Time, the same cutoff time as for Bill Pay. In the previous platform, the cutoff time was 11:00 p.m.
Electronic funds are never delivered on a weekend or holiday. USPS may deliver paper checks on a weekend if the business in question receives weekend mail. Otherwise, such checks will be delivered the following business day.
Not yet — but watch for more information coming soon!
You can transfer money to and from any Westerra spending/checking, savings or money market account. You can make a payment to an auto loan, home equity loan, line of credit or personal loan. You can easily make payments to a Westerra mortgage loan through transfers to your Mortgage account in Digital Banking.
Yes – it is critical that the primary member’s first and last name, date of birth, Social Security number, and email address match on both accounts. If they do not match, use Pay People (P2P) transfers instead.
Pay People is a free person-to-person (P2P) payment service in Digital Banking and our mobile app that makes sending and receiving money as easy as emailing and texting.
In notifications, you may also see it referred to as PayItNow.
Your information from PopMoney will not carry over to Pay People. You will need to re-enter any account details.
When funds are going from debit card to debit card, the transfer occurs right when the recipient accepts the transfer — even on weekends and holidays!
If the transfer is from a spending/checking account, once the recipient has accepted the transfer, funds are withdrawn from your account that evening, and delivered to the recipient within three days. ACH transfers do not take place on weekends or holidays.
To send from a checking account, the cutoff time is 3:00 p.m. Mountain Time, the same cutoff time as for Bill Pay and Pay People (P2P). In the previous platform, the cutoff time was 8:00 p.m. Mountain Time.
Yes – as before, you will find 36 months of statement history in the eStatements section. Go to Quick Actions and select Download Statements. If you have not already signed up for eStatements, you can enroll there. Then you will no longer receive paper statements in the mail — instead you will receive an email notification when your electronic statement is ready each month.
Account nicknames will not be carried over to the new platform — but when you set up nicknames in the new Digital Banking, and you have questions for Westerra staff about those accounts, staff will be able to see the name you chose for the account, and can quickly identify the account you are inquiring about.
While you can reach our new Digital Banking from any browser, Westerra recommends accessing our new platform via Google Chrome, Firefox or Edge. As always, we encourage members to always keep their browsers updated.
Benefits and New Features
As a best-in-class platform, our new Digital Banking has a lot of wonderful benefits and features for members! Below are a few highlights:
Spending Insights and Analysis
Explore new analytical tools to gain insights into your financial situation, such as a spending analysis by category, income analysis, budgeting plans, or goal setting and progress tracking. You’ll even find maps showing locations of your transactions. Take some time to explore and learn more about yourself!
More Account Details, including Primary and Joint Accounts Linked
In the new Digital Banking, you will be able to see all accounts where you are a primary or joint owner! You can easily make transactions without needing to have the joint owner login or link the account, to make a transaction, as was necessary previously. If you have linked accounts with the ability to transfer funds from one to another, and you are not a joint owner on the account being transferred to, you will still see those links in Digital Banking and you will still have ability to make transfers. You will also have the ability to hide accounts or to rename them if you like.
More Self-Service Features
You’ll find lots of self-service options to make your banking easier. You can set notifications (e.g.. high- or low-balance alerts), manage cards (e.g. let us know when you are traveling, check rewards points, redeem points, etc.), open new accounts, apply for loans, request help, and much more. And this is just the beginning — we will continue to add more self-service options in future releases!
Secure Messages with Attachments
We are excited that we can now send attachments back and forth securely, making banking even easier!