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Checking // EVERYDAY MONEY ACCOUNT

An 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.

WeGotYa up to $200

Not enough funds in your account? No worries — WeGotYa up to $200 on spending. (Opt-IN required for debit card transactions. Automatically opt-IN for ACH and checks.) FAQs

Get paid early

Get paid up to two days early with direct deposit — all payments get to your account the day they arrive.

30,000 Free ATMs Nationwide

Access an unlimited free CO-OP ATM network with locations across the country.

Earn Rewards on Purchases

Earn 1 reward point for every $3 on purchases.

See how Everyday Money compares to Interest Checking

Everyday Money Account

Everyday Money

Interest Checking

Account features

No monthly fees, no minimum balance required.

Returns higher interest for higher balances.

Minimum balance

No minimum

$2,500

Monthly fee

-0-

$10If the monthly average of end-of-day balances is less than $2,500

Unlimited FREE CO-OP Network ATMs

FREECO-OP is the second largest ATM network in the U.S.

FREECO-OP is the second largest ATM network in the U.S.

ATMs outside the CO-OP Network

ATM owner may charge fee.

ATM owner may charge fee.

Visa debit card with rewards

FREE

FREE

Rewards points on debit card purchases

Earn 1 reward point for every $3 on purchases you sign for (Redeem for cash, gift cards, travel, experiences & merchandise

Earn 1 reward point for every $3 on purchases you sign for (Redeem for cash, gift cards, travel, experiences & merchandise

Digital banking

FREE

FREE

Bill payment

FREE

FREE

Mobile banking and mobile check deposits

FREE

FREE

CardNav security app and Apple Pay

FREE

FREE

eStatements

FREE

FREE

ACH or check overdraft fee

WeGotYa (Courtesy Pay) - Opted-IN required.Includes ACH, checks, one-time and recurring debit card* transactions of $20 or more.

WeGotYa (Courtesy Pay) - Opted-IN required.Includes ACH, checks, one-time and recurring debit card* transactions of $20 or more.

Debit card overdraft fee

WeGotYa (Courtesy Pay) - Opted-IN required.Includes ACH, checks, one-time and recurring debit card* transactions of $20 or more.

WeGotYa (Courtesy Pay) - Opted-IN required.Includes ACH, checks, one-time and recurring debit card* transactions of $20 or more.

Non-sufficient Funds

$20

$20

Direct deposit

FREE

FREE

Checks

Order Now

Order Now

Interest

-0-

Yes - based on balanceInterest paid on balances above $2,500

Start your savings today (like, right here)

Personal Savings Accounts
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Give your wallet some credit

Explore credit cards
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Interested in earning interest?

Learn More
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Checking or Spending Accounts: Frequently asked questions

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.