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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.

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).

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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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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.

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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?

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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

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)

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

We Have You 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.