![Girl proudly holding up pink dress](https://images.ctfassets.net/u3d6pjrvz6bz/lIfzVfi9OzFf5gBGR0LoT/5858c6e236bc80c0140c9203af21454f/Hero-Personal_Spending-1500x1000.jpg)
Personal
SpendingEveryday money
Become a member and open a free Everyday Money checking in about 5 minutes.
As a bonus - 6.00%APY on a checking account? Yup. You read that right. Introducing Smart Money Checking.
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. Learn more.
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).
![Person holding phone to pay at a coffee shop.](https://images.ctfassets.net/u3d6pjrvz6bz/3HWjGErX8zI2geFbpuVpDB/71dd0414019a4e31b4ae0222ba62e3e2/OPS-23005_Expand_Digital_Wallet_Support_HP_HERO_1920X1080_FINAL.jpg)
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.
![Woman buying products from a home goods store](https://images.ctfassets.net/u3d6pjrvz6bz/5G29PvY6wBUyPKAB1MFBVa/8484cdb0ea558d4db7800377c4ba23b0/Interest_Checking_1600x1200.jpg)
Earn big interest even on small balances.
Rethink what a checking account can be. Even small deposits can pack a powerful savings punch with unheard-of APY and other great perks.
![Woman at counter handing her card to a cashier](https://images.ctfassets.net/u3d6pjrvz6bz/4s1pSqO3AsVXe27MAT5cZu/48f181f6e03e0125db2fa47e43222f3f/Free_Checking_1600x1200.jpg)
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.
![Black Visa card illustration on red background with white stripes](https://images.ctfassets.net/u3d6pjrvz6bz/2Sxb2MHrmomRnJbdDt2DjI/880db9e46e42e3c26dd0c16610e0fed5/WCU_HORIZ_LOGO_CMYK_FINAL_2_2x.png)
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.
![Illustration of three people standing behind the word "We"](https://images.ctfassets.net/u3d6pjrvz6bz/1xok0Kzvgffd7UapiDAdni/ca982ddf1062dbfd7b044ec81db344db/We-1600x1200-2.jpg)
Why do so many Colorado businesses choose Westerra?
!["We" repeated 6 times](https://images.ctfassets.net/u3d6pjrvz6bz/2LgV2lCsQT8QnOUUpDdVIW/012bd47e6934b975a48a3d5e8a54f018/Why_Westerra_Personal_1600x1200.jpg)
The Westerra humble-brag
→ Why us? Westerra's community is built on meaningful personal relationships, not transactions. We're here for you with real support for your goals, your money and your financial education. That's the Westerra way.
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
To report a lost or stolen Visa credit, debit or ATM card, call 303-321-4209 or 1-800-858-7212 during business hours, or 1-888-241-2510 at any time.
To activate a card, call 1-800-466-0040.
PIN Changes & Activation
A PIN Mailer is no longer required to activate your Westerra debit or credit card! NOTE: The new phone number to activate a card is 1-866-762-0558 (this has been updated on the sticker of the card). 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.
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)
![Man smiling in blue vintage car](https://images.ctfassets.net/u3d6pjrvz6bz/4WsL7lSUBy7fXftrKPdxb5/bdbabca1ae7ea57f9a14378056846c4f/Personal_Savings_1600x1200.jpg)
There’s no place like home
![Dad playing with his two children outside](https://images.ctfassets.net/u3d6pjrvz6bz/5TA1NY4VnczcXmcxOG2p1p/8d517c5d4a14458b0ed736425f9f0ccc/Home_Mortgage_1600x1200.jpg)
Give your wallet some credit
![Woman holding her credit card to a card reader](https://images.ctfassets.net/u3d6pjrvz6bz/50DBkHTG6NzwZDSleQaTkp/2959f1e3312d35f0ca5bc2809e952343/Credit_Cards_1600x1200.jpg)
Ready to become a Westerra member?
We'd love for you to join our community
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Overdrafts happen
We Have You covered with Courtesy Pay.
Sign up for Courtesy Pay and add an extra layer of protection to your checking account.
Personal Spending Frequently Asked Questions
WeGotYa is a Courtesy Pay service that adds a measure of protection to your spending/checking account.
WeGotYa (Courtesy Pay) may cover your transactions when you do not have sufficient funds in your spending/checking account. You will be charged a $20 WeGotYa (Courtesy Pay) fee each time we pay a transaction that overdraws your account. A maximum of three fees per day, per checking. You will only incur WeGotYa (Courtesy Pay) fees for covered transactions if your account is overdrawn. That means, instead of declining an automated (ACH) payment, check, one-time or recurring debit card transaction because of insufficient funds, Westerra Credit Union may pay your item, which may save you additional charges from the company you intended to pay.
If you’re set up for automated (ACH) payments or checks, good news: You’re automatically enrolled in WeGotYa (Courtesy Pay). If you’re not, members must Opt-IN to WeGotYa (Courtesy Pay) for one-time and recurring debit card transactions.
To qualify for WeGotYa (Courtesy Pay), you must be at least 18 years old, have your spending/checking account opened for more than 30 days, and be in good standing with the credit union. These criteria may be changed at any time without notice. WeGotYa (Courtesy Pay) does not cover transactions through ATMs, tellers, phone banking, Digital Banking transfers or Money Market Account checks.
Overdraft Protection is an optional level of protection you can elect to add to any checking account to help manage your finances and avoid over-drafting your account. Overdraft Protection can save you from incurring fees when you don’t have sufficient funds in your checking account. It is also useful for covering unexpected costs in an emergency. Please view our additional FAQs for more information.
On your mobile device, open the App Store (Apple) or Google Play (Android) and download the app.
Launch the app and enter your Westerra Digital Banking username and password.
Similar to Zelle, 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.
Debit card purchases – Earn 1 point for every $3.00 you spend when you sign for your purchase.
Bonus points – Earn bonus points when you use the ShoppingFLING feature on Westerra Rewards.
If you already have a Westerra debit card, you are already part of the rewards program. Reward points will automatically be combined in your rewards account for your Westerra cards based on your primary account information. Personal and business reward points will not be combined.
Access and redeem your rewards points through Westerra Digital Banking:
For personal accounts: Log in to Digital Banking on your browser, look for "Card Rewards" in the "Quick Actions" menu on the right.
If you prefer, you can access your rewards account online at Westerra Rewards and register using your name exactly as it appears on your Westerra account and the last six digits of your Westerra Signature debit card.
If this is your first time using Digital Banking:
Click "Login" on the top right corner of WesterraCU.com, then "Personal Banking."
Then, click on the "Enroll in Digital Banking" link.
Enter your account (member) number, the primary account holder's Social Security Number and date of birth and click "Continue."
Create your username and password.
Read and "Accept" the Digital Banking disclosures.
Then, click "Create."
Once you are logged in, you will be prompted to receive a one-time security code, verify your email address, and then you can access your accounts.
To activate a card, call 1-800-466-0040. Members will need to activate their new card within 45 days of receiving their card or the system will automatically block the new card. A member will receive email reminders throughout the 45 days before it is blocked. Once the contactless card is activated, the old card will be deactivated automatically by the system.
To report a lost or stolen Visa® credit, debit card, or for card inquiries:
Call 303-321-4209 or 1-800-858-7212 during business hours.
Visit one of our branch locations to have your credit or debit card issued instantly.
Contact us via secure messaging through Digital Banking.
Call 1-888-241-2510, 24 hours a day.
1-800-503-9249 and using the reference number on your PIN mailer.
Please note: Cards sent by mail will arrive in approximately 4 to 7 business days. You will also receive a new PIN, which can be changed by callingYou are automatically enrolled in eStatements when you enroll in Digital Banking.
*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.