Skip to Main Content

SPENDING // 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 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.

Bank On Certified

A Bank On Certified account by the national Cities for Financial Empowerment Fund (CFE Fund), which ensures low cost, high functionality & consumer safety. Learn more.

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

4 FREE/monthThen $2 each. ATM owner may charge fee.

4 FREE/monthThen $2 each. 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

-0-

-0-

Debit card overdraft fee

-0-

-0-

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)

Learn More
Man smiling in blue vintage car

Give your wallet some credit

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

Interested in earning interest?

Learn More
Woman buying products from a home goods store

Checking or Spending Accounts: Frequently asked questions

Ready to become a Westerra member?

We'd love for you to join our community

Become a Member

$5 membership fee waived. Deposit of $5 in savings account required. Federally insured by NCUA.

*Restrictions may apply. Primary share with minimum balance required to open an Everyday Money account.

**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.