PersonalSpending
Everyday money account
An account for the way you live (and spend) today
No monthly fees. No minimum balance required. Just a debit card that helps you earn rewards (like cash back).*
WeGotYa up to $200
Not enough funds in your account? No worries — WeGotYa up to $200 on spending with no overdraft fees — ever! (No need to opt-in.)**
Get paid early
Get paid up to two days early with direct deposit — all payments get to your account the day they arrive.
No hidden fees
No overdraft fees. No monthly fees. No minimum balance. No foreign transaction fees. And 30,000 free ATMs nationwide.
No more overdraft fees
Westerra members save a whole lotta dough. You have tools to monitor your account to cover transactions, or default to denying them when you don’t have the funds — without any fees.
Everyday Money (and earning)
Spend and earn with a Westerra Visa debit card that offers cash back rewards. There are also other perks, like free mobile banking, Apple Pay and more.
Interested in earning interest?
Get rewarded with higher interest for a higher balance. It's your typical checking account with some extra incentives.
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.
Free online banking
All Westerra members get access to a free online banking portal that makes it easier than ever to keep track of payments.
Set up low balance alerts
You can set alerts in online 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 free CardNav app
Receive real-time notifications on your phone every time a transaction is made on your account, set spending limits, turn your credit and debit cards on or off instantly and more.
Why do so many Colorado businesses choose Westerra?
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.
Apple Pay
Set up your Apple device to pay with your Westerra card on the go.
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
Call 303-321-4209 or 1-800-858-7212. We can order a new PIN to be delivered by mail. No time for mail? Stop by any branch during regular business hours.
Travel alerts
Send us a message through online 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 credit cards.
Start your savings today (like, right here)
There’s no place like home
Give your wallet some credit
Ready to become a Westerra member?
We'd love for you to join our community
*$5 membership fee waived. Deposit of $5 in savings account required. Federally insured by NCUA.
**At Westerra Credit Union, our approach is to help members better manage their accounts by providing money management tools — without fees — helping save some members a significant amount of money. Go here to find more information about WeGotYa/Courtesy Pay.
Westerra Credit Union is known for fewer fees. Here's our Service Charge and Fee Schedule.
