Skip to Main Content

Girl proudly holding up pink dress



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.

Three dollar signs

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. 

Woman at counter handing her card to a cashier

Everyday Money (and earning)

Spend and earn with a Westerra Visa® debit card that offers a selection of rewards for you to choose, and is a Bank On Certified account by the national Cities for Financial Empowerment Fund, which ensures low cost, high functionality & consumer safety.

Woman buying products from a home goods store

Interested in earning interest?

Get rewarded with higher interest for a higher balance. It's your typical checking account with some extra incentives.

Black Visa card illustration on red background with white stripes

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 digital banking

All Westerra members get access to a free Digital Banking portal and mobile app that makes it easier than ever to keep track of payments.

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).

Illustration of three people standing behind the word "We"

Why do so many Colorado businesses choose Westerra?

Westerra in the Mile High & beyond
"We" repeated 6 times

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

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 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)

Learn More
Man smiling in blue vintage car

There’s no place like home

Explore loans
Dad playing with his two children outside

Give your wallet some credit

Explore credit cards
Woman holding her credit card to a card reader

Ready to become a Westerra member?

We'd love for you to join our community

How to Apply

*Membership eligibility required and account qualifications apply. $5 prime share deposit required for membership. A $25 opening deposit is required for an Everyday Money Spending 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 — with fewer 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.

Visa and the Visa logo are registered trademarks of Visa International Services Association.