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Westerra Card with the text "earn up to 6.00% APY

Make your money work with Westerra Smart Money Checking

Meet the checking account designed to help you earn interest on smaller balances.

CHECKING // Smart Money Checking

Rethink what a checking account can be. Even small deposits can pack a powerful savings punch with unheard-of APY and other great perks.

Earn interest on daily balances

Maintain an average daily balance of at least $2,000 per month/each month and earn 6.00% APY. That’s $120 a year.*

Earn rewards on purchases

Earn 1 reward point for every $3 of purchases. Rewards include travel, gift cards, cool stuff, and cash back.

Get paid early

Why wait until payday to get paid? Get your paycheck up to two days early with direct deposit.

Westerra Smart Money Checking earns you 
big interest on even small balances. Try our calculator.

Enter your deposit amount to see how much you could earn in one year.

Earn interest with cascading tiers.

Westerra Smart Money Checking rewards you with a 6.00% APY on your first $2,000 each month. As your balance grows, so does your potential to unlock additional great rates for higher balances. This is our way of keeping the returns rolling.

Smart Money by the Numbers



$0 - $2,000.00

$2,000.01 - $4,000.00

$4,000.01 - $6,000.00

$6,000.01 - $8,000.00

$8,000.01 - $10,000.00


If requirements are not met**

Westerra Smart Money Checking at a glance

Westerra Smart Money Checking at a glance

Monthly Requirements to Earn Highest Possible % APY Rate

Minimum Number of Debit/Credit Card Purchases (Per month)


Monthly Requirements to Earn Highest Possible % APY Rate

Minimum Recurring Direct Deposit or ACH Payment (Per month)


Monthly Requirements to Earn Highest Possible % APY Rate

E-Statements Enrollment

Benefits and Perks

Debit Rewards — Earn 1 Point for Every $3 Spent*

Benefits and Perks

Early Paycheck: Get paid up to 2 days early with direct deposit**

Benefits and Perks

Apple Pay® / Google Pay™ / Samsung Pay™

Benefits and Perks

Overdraft Protection Services or Courtesy Pay***

Benefits and Perks

Monthly Maintenance Fee


Benefits and Perks

Minimum Balance Requirement


Benefits and Perks

Access to over 30,000 surcharge-free CO-OP ATMs

Benefits and Perks

Debit Card Foreign Transactions

Benefits and Perks

Insured by NCUA

Benefits and Perks

Free Digital Banking
Mobile Deposit

Benefits and Perks

Mobile Deposit

Benefits and Perks

Online Downloads into Quicken®

Benefits and Perks

Send money to friends and family

Person holding phone to pay at a coffee shop.

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.

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.

Baseball glove and ball with four Colorado Rockies tickets.

Smart Money Checking

Open an account today, and you'll automatically be entered to win a 4-pack of VIP Rockies tickets.

Open An Account

*Annual Percentage Yield (APY) is accurate as of 5/1/2024. The interest rate and APY may change without notice after the account is opened. Fees may reduce earnings on the account. $5 prime share deposit required for membership. A $25 opening deposit is required for a Smart Money Checking account. 6.00% APY applies to average daily balances up to and including $2,000. For average daily balances greater than $2,000, the APY may range from 0.05% to 3.00%. If requirements** are not met, all balances will earn .01% APY. In order to get the higher rates, you must meet certain requirements each month. If you don’t meet the requirements, an APY of 0.01% APY applies to all balances. Limit one Smart Money Checking Share per account. Membership eligibility required. Federally Insured by NCUA.

**The requirements needed to receive the dividend rate are (i) minimum average daily balance that corresponds to the desired rate, (ii) 16 combined debit/credit card purchase transactions that post and clear in the statement months as (i), on the same membership account, (iii) a minimum of one (1) direct-deposit or Automatic Clearing House (ACH) of at least $500 per month, (iv) enrollment in online statements. ATM and cash advance transactions do not count toward the debit card transaction requirement. Requirements are waived the first statement cycle the new share is opened and will earn the dividend rate that corresponds to each minimum balance tier. IRA, Roth IRA, and Business accounts are not eligible for this product. Rates subject to change without notice. See Membership and Account Agreement for Nature of Dividends under our resource tab.

NO PURCHASE NECESSARY TO ENTER OR WIN. See Official Requirements here: resources/disclosures. Open a Smart Money Checking account in the month of May (May 1-May 31, 2024) and automatically be entered for the chance to win a 4-pack of VIP tickets to a Rockies game. We will draw a winner at random on June 3, 2024, and call/email them individually. They must accept or forfeit the prize within 7 calendar days. Applicants must be a Westerra Credit Union member in good standing. $5 prime share deposit required for membership. A $25 opening deposit is required for a Smart Money Checking account. To receive the bonus: 1) Open a new Westerra Smart Money Checking account between May 1 and May 31, 2024, which is subject to approval. Offer availability subject to change. Offer not available to those whose Westerra accounts have been closed within 90 days or closed with a negative balance within the last 3 years. We reserve the right to end the promotion at any time. Westerra employees are not eligible to win a 4-pack of VIP tickets to the Rockies game. Visit for applicable rate. Learn more at