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Westmark Credit Union

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Checking Accounts

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Limited Time Offer

Get $150 Cash When You Open a New Checking Account

  • $25 deposited immediately upon opening
  • $25 after completing 15 debit transactions within 90 days
  • $100 with $1,000+ deposit AND 15 transactions within 90 days

*Must not have existing Westmark checking account. Online accounts may take 3 business days to fund.

Claim $150 Now

True Blue banking starts here

Westmark's True Blue Checking Accounts are designed to keep more money in your pocket. Choose True Blue Spend for free, no-strings checking with no monthly fees or minimum balance — or upgrade to True Blue Rewards Spend and earn up to 0.50% cash back on every debit card purchase. Both accounts include a free VISA debit card, mobile banking, SavvyMoney, and CardComplete fraud protection.

Free VISA Debit Card - Convenient access to your money anywhere VISA is accepted.
Free Starter Checks - Westmark-logo checks included with your account.
Free Online & Mobile Banking - 24/7 access to check balances, transfer funds, and pay bills.
SavvyMoney - Track your credit score right in online banking.
$1,000 AD&D Insurance - All checking accounts include Accidental Death & Dismemberment coverage.
CardComplete Fraud Protection - Free card fraud monitoring on all accounts.
Open Account Compare Accounts

Choose Your Checking Account

Find the account that fits your lifestyle and banking needs.

True Blue Spend

Simple, no-fee checking with no minimum balance. Best for members who want straightforward banking without monthly requirements.

  • No monthly fees
  • No minimum balance requirement
  • Free VISA debit card
  • Free online & mobile banking
  • Free online bill pay
  • Free starter checks
  • Free CardComplete & card controls
  • Free credit score monitoring

$0/month

Open Account

True Blue Rewards Spend

Earn up to 0.5% cash back on debit card purchases. Best for frequent debit card users. Monthly fee waived for members under 25 or over 55.

  • Earn up to 0.5% cash back on debit purchases
  • Cash back deposited to savings in July & December
  • 3 reward tiers: Horizon, Summit & Pinnacle
  • Pair with Cobalt Rewards Credit Card for up to 2% cash back
  • Free VISA debit card
  • Free online & mobile banking
  • Free starter checks
  • Free CardComplete & card controls
  • Free credit score monitoring

$7/mo waived w/ $10K balance, 20+ transactions, or age <25 / 55+

Open Account

Compare Checking Accounts

See all the features and benefits side by side to find your perfect match.

Feature True Blue Spend True Blue Rewards Spend
Monthly Fee $0 $7*
Fee Waiver Criteria N/A $10K balance, 20+ transactions/mo, age <25, or age 55+
Min Balance Requirement None None
Earns Cash Back Up to 0.5%
Cash Back Tiers Horizon 0.15% · Summit 0.25% · Pinnacle 0.5%
Cash Back Payout July & December (to Primary Savings)
Cobalt Rewards Credit Card Up to 2% cash back
Free VISA Debit Card
Free Starter Checks
Online & Mobile Banking
Online Bill Pay
Overdraft Protection $300 $300
$1,000 AD&D Insurance
CardComplete Fraud Protection
Credit Score Monitoring
Open Account Apply Apply

*$7/mo fee waived with any of: $10,000+ aggregate balance, 20+ debit/credit card transactions per month, member under age 25, or member age 55+. Cash back rates determined by relationship tier: Horizon (<20 pts), Summit (20 pts), Pinnacle (40+ pts). NSF fees apply to all accounts.

Westmark VISA Debit Card

VISA Debit Card

Access your money anywhere with the Westmark VISA Debit Card. Use it worldwide for purchases and get cash at any ATM.

  • Worldwide purchasing power – Use at any merchant that accepts VISA.
  • 24/7 ATM access – Withdraw up to $600/day from ATMs worldwide.
  • ATM deposits – Deposit cash or checks at Westmark ATMs.
  • Mobile Wallet ready – Add to Apple Pay, Google Pay, or Samsung Pay.
  • Card fraud protection – Free CardComplete fraud monitoring.
Mobile Wallet CardComplete Report Lost/Stolen Card

Earn cash back every time you pay

True Blue Rewards Spend turns your everyday debit card purchases into real money back. Your cash back rate is based on your relationship with Westmark — the more products and services you use, the higher your tier and the more you earn, up to 0.50% back on debit purchases and up to 2% when paired with a Cobalt Rewards Credit Card. Cash back is automatically deposited to your Primary Savings account every July and December, so your rewards work for you without any extra steps.

Your Relationship Reward Tiers

Horizon

< 20 points

Debit: 0.15%

Cobalt Card: 1%

Summit

20 points

Debit: 0.25%

Cobalt Card: 1.5%

Pinnacle

40+ points

Debit: 0.5%

Cobalt Card: 2%

Earn Even More with Cobalt Rewards

Pair your True Blue Rewards Spend account with a Cobalt Rewards Credit Card and earn up to 2% cash back on credit card purchases — on top of the cash back you're already earning on debit. Cash back from both accounts is deposited to your Primary Savings automatically.

Learn About Cobalt Cards
Open Account

How to Earn Activity Points

Your tier is based on points you earn through everyday banking with Westmark. Most members reach Summit (20 pts) quickly — and with 85 points possible, Pinnacle is well within reach.

Activity Points
Aggregate share balance over $1,000 10
Active Checking 5
Active Credit Card 5
Branch Auto Loan 5
Home Equity Line or Loan 5
Certificates or Money Shares 5
Other Loan 5
First Mortgage 5
15+ Card Transactions 10
15+ Checks/ACH 10
2+ Deposits 10
4+ Online Banking Transactions 5
Wealth Management 5

Tier thresholds: Horizon = <20 pts · Summit = 20 pts · Pinnacle = 40+ pts · Maximum possible: 85 pts

Note: Cash back is automatically deposited to your Primary Savings account in July and December. Rewards are earned on net eligible purchases only (excludes cash advances, fees, and returned transactions). Account must be open and in good standing to earn and receive rewards. Rewards are non-transferable and may be forfeited during delinquency or if the account is closed.

Related Services

Savings Accounts

Grow your savings.

Mobile Wallets

Apple Pay, Google Pay & more.

Online Banking

Manage accounts 24/7.

Mobile Banking

Bank on the go.

Bill Pay

Pay bills online.

Direct Deposit

Fast, secure deposits.

Courtesy Pay

Overdraft protection.

Order Checks

Easy check reorder.

Frequently Asked Questions

Common questions about Westmark checking accounts.

Opening a checking account is easy! You can apply online, visit any branch location, or call us. You'll need a valid government-issued photo ID. If you're not already a Westmark member, you'll also open a Primary Savings account ($5 minimum) to establish membership. We'll set you up and have you on the go before you know it.

True Blue Spend is our no-fee checking account with no minimum balance—perfect for straightforward banking. True Blue Rewards Spend ($7/mo) is ideal for frequent debit card users who want to earn up to 0.5% cash back, plus up to 2% when paired with the Cobalt Rewards Credit Card. The $7 fee is waived with any of: $10,000+ aggregate balance, 20+ debit/credit transactions per month, Summit PFI status, or if you're under 18 or over 55. Both accounts include a free VISA debit card, online and mobile banking, bill pay, $300 overdraft protection, and CardComplete fraud protection.

With the True Blue Rewards Spend account, you earn a percentage of cash back on debit card purchases. Your cash back rate depends on your relationship tier with Westmark: Horizon (<20 points) earns 0.15%, Summit (20 points) earns 0.25%, and Pinnacle (40+ points) earns 0.5%. Cash back is automatically deposited to your Primary Savings account in July and December. You can also pair your account with a Cobalt Rewards Credit Card to earn up to 2% cash back on credit card purchases.

There are three relationship tiers that determine your cash back rate: Horizon (<20 points) earns 0.15% on debit and 1% on Cobalt Rewards Credit Card. Summit (20 points) earns 0.25% and 1.5%. Pinnacle (40+ points) earns 0.5% and 2%. Points are earned through activities like maintaining an aggregate share balance over $1,000 (10 pts), making 15+ card transactions (10 pts), having 2+ deposits (10 pts), active checking (5 pts), active credit card (5 pts), active loans (5 pts each), and more. With 13 qualifying activities worth 5–10 points each and a maximum of 85 points, reaching Summit (20 pts) is very achievable. See the full activity points table for details.

Activity points are earned based on the products and services you use with Westmark. Each qualifying activity earns 5 or 10 points:

Activity Points
Aggregate share balance over $1,000 10
Active Checking 5
Active Credit Card 5
Branch Auto Loan 5
Home Equity Line or Loan 5
Certificates or Money Shares 5
Other Loan 5
First Mortgage 5
15+ Card Transactions 10
15+ Checks/ACH 10
2+ Deposits 10
4+ Online Banking Transactions 5
Wealth Management 5

Tier thresholds: Horizon = <20 pts · Summit = 20 pts · Pinnacle = 40+ pts · Maximum possible: 85 pts

Courtesy Pay is an optional overdraft service that helps cover transactions when your checking account balance is insufficient. Instead of having your debit card declined or checks returned, Courtesy Pay may cover the transaction (up to your limit). Fees may apply. To opt in, you can contact us at 208-529-1891.

The $7 monthly fee is waived if you meet any one of the following: $10,000+ aggregate balance across all Westmark accounts, 20+ debit/credit card transactions per month, or if you are under age 25 or age 55+. Many members qualify through a combination of everyday banking activity.

Cash back is automatically deposited to your Primary Savings account twice a year—in July and December. This applies to cash back earned from both the True Blue Rewards Spend debit account and the Cobalt Rewards Credit Card.

You can use your VISA Debit Card at any ATM displaying CIRRUS, ACCEL, or VISA logos nationwide. While Westmark doesn't charge a fee for using other ATMs, the ATM owner may charge their own fee. All Westmark ATMs are always free for members.