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.
BALANCE | ANNUAL PERCENTAGE YIELD (APY%) |
|---|---|
$0 - $2,000.00 | 6.00% see current rates |
$2,000.01 - $4,000.00 | 3.00% see current rates |
$4,000.01 - $6,000.00 | 1.00% see current rates |
$6,000.01 - $8,000.00 | 0.50% see current rates |
$8,000.01 - $10,000.00 | 0.25% see current rates |
$10,000+ | 0.05% see current rates |
If requirements are not met** | 0.01% see current rates |
Westerra Smart Money Checking at a glance
Monthly Requirements to Earn Highest Possible % APY Rate | Minimum Number of Debit/Credit Card Purchases (Per month) | 16 |
|---|---|---|
Monthly Requirements to Earn Highest Possible % APY Rate | Minimum Recurring Direct Deposit or ACH Payment (Per month) | $500 |
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 | None |
Benefits and Perks | Minimum Balance Requirement | None |
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 | ✔ |
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
To report a lost or stolen Visa credit, debit or ATM card, call 303-321-4209 or 1-800-858-7212 during business hours, or 1-888-241-2510 at any time.
To activate a card, call 1-800-466-0040.
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.
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.
*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.
