Account takeovers are on the rise. Here is how to protect yourself.
Scams continue to evolve, and account takeovers are showing up more often in ways that feel personal and convincing.
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Checking Accounts with Low Fees and Easy Online Access.
We believe managing your finances should be simple, smart, and totally in your control. Whether you’re saving, spending, or growing your money, we’re here to support you every step of the way — with low fees and tools that fit your lifestyle. Because when it comes to your money, you’ve got this.
Checking account
Need a checking account? Take your pick
You’ve got financial goals. We’ve got the checking account to support them. Keep reading to see which checking account is right for you.
Smart Money Checking
Best for
Making small balances earn big returns and heavy monthly use.
Features
This is a reverse tier account, which means you’ll earn bigger returns on smaller balances, and smaller returns on bigger balances.
Earn up to 6.00% APY* on your first $2000 each month. That’s up to $120 a year. Then your next chunk of cash will make you 3.00% APY* and so on. See all APY rate tiers.
No minimum balance requirement
No monthly maintenance fee
Early paycheck
Courtesy Pay up to $500***
Even if you don't meet all the monthly requirements (they're listed below) to get up to 6.00% APY, you're guaranteed to earn .01% interest.
What’s the catch?
Make at least 16 debit/credit transactions every month to get the best APY
Set up a minimum of one $500 recurring direct deposit or ACH payments per month to get the best APY
Enroll in e-statements
Everyday Money Checking
Best for
Ultra-easy checking without monthly maintenance fees or restrictions.
Features
No minimum balance required
No monthly maintenance fee
No monthly minimum debit/credit card transactions per month
No monthly minimum direct deposit
Early paycheck
Courtesy Pay up to $200
What’s the catch?
You don’t earn interest on your balance
Interest Checking
Best for
Members with high balances who want to earn interest.
Features
Earn from 0.00% – 0.15% APY*
No monthly minimum direct deposit requirement
Get your direct deposit pay up to two days early
Courtesy pay up to $750
What’s the catch?
Monthly maintenance fee of $10
There’s a minimum balance requirement of $2,500
If your average daily balance drops below $2,500, you’ll be charged a $10 fee
Debit Card Benefits and Perks
Nobody else does debit cards quite like Westerra. From Courtesy Pay to our network of over 30,000 free ATMs nationwide, check out all of the sweet perks and benefits you’ll get.
Explore our Checking and Savings Accounts for Students
Understanding money management is a big step in becoming independent. Our studentaccounts and financial resources are here to help students start their financial journey.
Ready to become a Westerra member?
We'd love for you to join our community
Westerra News and Resources
Is refinancing a smart way to pay off debt?
If you’re a homeowner managing high interest debt, you’re not alone. Many members are asking an important question right now: Should I refinance my mortgage to pay off debt?
Read Article
3 signs it may be time to refinance your auto loan
Auto loan rates have taken quite a ride over the last few years. Before the pandemic, rates were steady and generally low. When the economy shifted, both rates and vehicle prices climbed quickly.
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*APY= Annual percentage yield, ATM and cash advance transactions do not count toward the debit card transaction requirement. Points not earned for cash back, ATMs or PIN based transactions.
