Checking Value

How much is it costing you to use bank checking?

How Does Your Checking Account Compare?

Westerra members save $261 annually in checking account fees compared to these banks:

  Westerra  Chase Wells Fargo First Bank US Bank Key Bank Average Bank Fee Total Membership Annual Savings*

Average Member Annual Savings*    

Debit Cards Free Free Free $10/Year Free Free $2 $57,126 $2
Outside Network
Free $2 $2.50 $2.50 $2.50 $2.50 $2.40 $1,092,873 $38
Monthly online banking & paper stmts -0- $12 $9 $3 $8.95 $10 $8.59 $4,559,847 $103
Insufficient Funds $31 $34 $35 $34 $35 $32 $34 $251,844 $6
Opt-In for Debit/ATM insufficient funds** -0- $34 $35 $34 $35 $39 $35.40 $2,980,963 $104
Bill Pay
Free Free $3 $5 - if fewer than 3/month Free Free $1.60 $103,630 $8

Total Savings





As a not-for-profit financial cooperative, Westerra is owned by all who have accounts at the credit union.  There are no stockholders – all proceeds are returned to members through higher dividends on savingslower rates on loans, lower fees and enhanced convenience. Your funds stay in Colorado, invested in members through loans for cars, homes, education and other needs. 
Learn more about Westerra.

*Compared to the average fees charged by Chase, Wells Fargo, FirstBank, US Bank and Key Bank as of May 1, 2013. Competitor fees are for comparison only and may change without notice.  Westerra has built a reputation for having fewer and lower fees than other financial institutions in metro Denver. Some fees have changed since this analysis was conducted.

**What Is An Opt-In Program? - New federal regulations in 2010 stated financial institutions could no longer charge a fee, without your consent, if you overdraw your checking account using a debit card or an ATM. At Westerra Credit Union, our approach is to help members better manage their checking accounts by simply denying the transaction and not charging a fee, helping save some members a significant amount of money. If you would like your debit card transactions covered when there are insufficient funds in your account, click here to learn more.
Read Full Fee Savings Analysis     Deposits are Federally Insured by NCUA