FREE Online Banking & Bill Pay

Westerra Credit Union

Online Banking & Bill Pay FAQs


        How to Log In to Online Banking & Bill Pay

To log-in to Online Banking and Bill Pay, enter your Username and Password on any page of the website in the top left corner of the screen.  If you have forgotten your password, click on the "Forgot Your Password?" link and the system will guide you through the process of gaining a new password.  If you have forgotten your Username, please call 303-321-4209 or 1-800-858-7212 to receive a new Username.

If this is your first time using Online Banking and Bill Pay, click the "First time users enroll here" link.  Read and "Accept" the Online Banking disclosures and enter your account (member) number, the primary account holder's social security number, date of birth, and new password. Once you are logged in, you will be prompted to choose and answer four security questions.

To use Free Bill Pay, log in to your Online Banking Account and click the "Bill Pay" tab - then simply follow the enrollment instructions.

        Online Banking FAQs

How do I view all of my account balances and information?

By using the "Financial Overview" tab, you can view all of your accounts and balances. If you have more than 10 accounts, click the "more accounts" link at the bottom of the screen. You can also view your accounts on the "Accounts" tab.

How do I view transactions within my accounts?
Simply click on the Account Name from the "Financial Overview" page or the "Accounts" page. You will then be able to view the account activity.

How do I transfer funds between my accounts?
To transfer funds between accounts, you can use the "Quick Transfer" box on the "Financial Overview" page or use the "Transfer" tab to schedule single transfers or recurring transfers.

How do I transfer funds to a different account number?
If you wish to transfer funds to a separate account number, please call 303-321-4209 or 1-800-858-7212 during normal business hours.

Why do I not have any pending payments or transfers?
Due to a change in the way transactions are processed, the pending transactions are not available to be viewed in Online Banking. They will, of course, show in your transaction history when the transactions are processed and posted.  The best way to keep track of pending transactions is to use a paper register or retain receipts. However, if you're not accustomed to using a paper register, and are interested in knowing about a particular pending transaction, you are welcome to call us and we can provide that information to you.  Another alternative is to use our Bill Pay service, where pending Bill Pay items do appear.

How do I view my mortgage information?
To view your mortgage balance and other information, click on the "My Mortgage" link at the top right hand corner of the screen. Please call us to obtain your mortgage loan number to enroll in "My Mortgage."

How do I make my mortgage payment?
To make your mortgage payment, simply transfer the funds from the account you choose to the "Mortgage Payment" account that includes the address of the property. (i.e. MTG PYMT ACCT 1234 Main St.)

How do I send a secure message to the Credit Union?
To send Westerra a message, click on "Send Message."  You can also request information about a specific transaction by clicking on the envelope icon next to each transaction.

How do I set up e-mail alerts?
To set up e-mail alerts, click on the "Alerts" tab and create a contact point which is an e-mail address or phone number (i.e. ) to receive your alerts. You can set up alerts for balances, transactions, and to inform you that a secure message has arrived.

When will I receive my alerts?
You will receive your alerts daily by 9:30 a.m. (MST). Transaction alerts are based on transactions from the previous day. Balance alerts are based on the balances as of 8:00 a.m. (MST) that day.

How can I view my eStatement?
To view your eStatement, click on the "Financial Overview" tab or "Accounts" tab and then click on "eStatements."  You can also click on the "Self Service" tab and go to "Manage My Favorites." You can then click on "Select a Favorite" drop down menu in the upper right hand corner and select "eStatements."

How do I access my bills?(for current Bill Pay Users)
If you are a current Bill Pay user, you will no longer have a separate sign-on to Bill Pay. You can now manage your bills by logging on to Westerra Online Banking and clicking on the "Bill Pay" tab. You can also access Bill Pay on the "Financial Overview" tab by using the "Pay a Bill" and "Quick Pay" tabs near the bottom left of your screen.

How do I make a loan payment?
To make your loan payment, simply transfer the funds from the account you choose to the Loan account where the payment is due. To do this, you can use the "Quick Transfer" option on the "Financial Overview" tab. You can also go to the "Accounts" tab and click on "Transfer Now" next to the loan account. Lastly, you can click on the "Transfer" tab and transfer the funds to your loan account.

How can I view images of my cleared checks?
To view images of your cleared checks, simply click on the check number within the transaction history of the account.

How can I place a stop payment on a check that has not cleared?
To place a stop payment on a check that has not yet cleared, click on the "Self Service" tab and click on Stop Payment Request. You can stop payment on one check or a series of checks.

How do I change my personal information?
To change personal information such as your password, e-mail addresses, and other preferences, click on the "Self Service" tab to find these options.

How do I change my physical address?
To change your physical address, click on the "Messages" tab and click on "Send us a Message" and select "Other" to send us a secure message with your new address information. We will then send a confirmation back to you when the change has been completed.

How do I download my account activity to Intuit Quicken?
To download your account activity into Intuit Quicken, click on the "Accounts" tab and then "Transaction Download."  You will then be able to export a file to your computer. For system support, please follow the links below:
PC Users

Mac Users

What browsers are recommended for Westerra Online Banking?
The following browsers support SSLv3 and 128-bit encryption:

  • Microsoft Internet ExplorerTM 5.5 or higher. If you're using the Windows 2000 operating system, you may also need to install an Internet Explorer High Encryption Pack.
  • Netscape NavigatorTM 6.1 or higher.
  • Firefox1.0.7 or higher.
  • Safari 2.0 or higher

Westerra is here to help!
You can contact us by e-mail or by phone at 303-321-4209 or 1-800-858-7212 with any questions you may have during normal business hours Monday through Friday from 8:00 a.m. (MST) to 6:00 p.m. (MST).

        Bill Pay FAQs

How quickly will my bills be paid?
Payments begin processing depending on how the biller or payee is set up to receive payments. Please be sure to review each biller/payees’ calendar for processing time information. You can schedule payments up to a year in advance, and should you happen to schedule a payment to be received on a weekend or a holiday, it will automatically be adjusted to fall on the previous business day. Paying bills electronically enhances your ability to control your payments, allowing you to better manage your cash flow and avoid late fees - which can hurt your credit record.

When will my payment be debited from my account?
Your account will usually be debited the same day it is paid.  In some cases a laser draft must be issued to the biller and the funds will not be collected until the biller/payee cashes the check.

What payment methods can I use to pay my bills?
You can pay your online bills using a checking or money market account.

What is an e-Bill?
An e-Bill, or electronic bill, is like the paper statement you receive each month now in an electronic format for viewing online. You can see all of the same detail in an e-Bill that you can in a paper statement, and more.

Can I view and pay bills that might be in another person's name?
Companies that provide bills through this service will allow you to view any e-Bills you are authorized to see based on the information you provided during the sign-up process. In some cases, these companies may elect to allow you to view bills where another individual's name, such as a spouse, is on the account, as long as you successfully provide the verification information required by biller/payee. Please make sure you are aware of the biller/payees’ policies.

What are the computer system requirements to use the service?
Westerra Bill Pay supports the following browsers:

  • Microsoft IE 6.0 and Higher (XP and Vista)
  • Firefox 2.0 or Higher
  • Safari 2.0 or Higher

Javascript is required for the application to function properly. If not enabled, certain features and functions will not work properly.
Screen Resolution: 800 x 600 VGA or 1024 x 768 VGA
Windows Display Browser Text Size should be medium
Properties Settings should be 96 dpi (Windows default

Who do I contact if I have questions about my bill pay account?
If you have any questions while you are using Westerra’s Bill Pay Service, click any “Help” link, call us at 303-321-4209 or 1-800-858-7212, or click the “Messages” link to send us your question.