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Business

Spending

We think business checking and business credit cards should be simple and intuitive — oh, and earn you lots of rewards too.

There’s a lot to love about business checking with Westerra

PIN Activation

A PIN Mailer is no longer required to activate your Westerra debit or credit card! Simply call 1-866-762-0558 and business members will be required to enter in the last 4-digits of their SSN or their EIN number; this is based on what is reflected on their account. Once the card is activated, they will be prompted to select their PIN. If a member already has an active card and calls 1-866-762-0558, the message will say that the card is already activate and ask if you would like to update your PIN.

Get paid up to two days early

All payments get to your account the day they arrive — and your employees who are members get paid up to two days early with direct deposit.

Free, free, free

Here are the benefits that come standard (and free!) with all of our business checking accounts: online and mobile banking, Pay Bills, Apple®, Google™ or Samsung Pay™, CardNav card security app and eStatements.

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Reward yourself with debit card business checking

Using the points you earn from that fancy client dinner to pay for the next fancy client dinner? Oh yeah. Cash back, gift cards, travel, fuel, experiences and merchandise are just a handful of the things you can redeem for checking rewards.

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Give your business the credit it deserves, with the perks you expect

Unlimited rewards and great rates are at your fingertips (and in your wallet) with our Business Visa® Rewards card. Credit lines from $500 – $25,000 are available, with competitive rates and credit union perks all along the way. Our newly designed business debit and/or credit cards will feature Contactless technology. Learn more here.

Compare options

Look below, and check out our business checking calculator.

Account features

Business value checking

Business preferred checking

Business high balance checking

Minimum balance

No minimum

$5,000

$50,000

Monthly fee

$0

$10 (if your monthly average of end-of-day balance is less than $5,000)

$30 (if your monthly average of end-of-day balance is less than $50,000)

Transactions

100 free/month ($0.30 per item after that)

250 free/month ($0.35 per item after that)

400 free/month ($0.20 per item after that)

Cash processing

$5,000 free/month (after that limit, there’s a 0.10% fee)

$10,000 free/month (after that limit, there’s a 0.10% fee)

$25,000 free/month (after that limit, there’s a 0.10% fee)

ATMs in the CO-OP network

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

Unlimited free CO-OP ATMs — the second-largest ATM network in the U.S.

ATMs outside of the CO-OP network

Free (The ATM owner may charge other fees)

Free (The ATM owner may charge other fees)

Free (The ATM owner may charge other fees)

Interest

None

Based on your balance

Based on your balance

Start your savings today (like, right here)

Personal Savings Accounts
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Give your wallet some credit

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→ Why us? Westerra's community is built on meaningful personal relationships, not transactions. We're here for you with real support for your goals, your money and your financial education. That's the Westerra way.

Let’s touch base offline.

We’re here to talk about which spending and credit options are right for you

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.