Checking Accounts

When it comes to our checking accounts, the choice is yours.

Westmark Credit Union has the perfect checking account to fit your financial needs, whether you are interested in a no-fee checking account (Eagle Checking), an interest-bearing checking account (Platinum Plus Checking), a checking account that pays a higher dividend (High Yield Checking), or an interest-bearing checking account for those 55 years of age and older (Prime 55 Checking). No matter your lifestyle or needs, Westmark Credit Union in Idaho has an account just for you.

Checking accounts give you quick and easy access to your money, and with the Internet, you can have access anytime, anywhere. You can pay bills and take care of your financial transactions from your checking account, as well as quickly write checks, use a debit card, set up automatic transfers, and make deposits. Unlike savings accounts, the primary purpose of using a checking account is to make transactions and spend money, so there are few (if any) limits on the number of transactions. At Westmark Credit Union, we will help you grow financially when you join our union, as well as provide you with the most competitive rates and lowest fees throughout Idaho, all to make sure you’re rewarded for choosing Westmark Credit Union.

Types of checking accounts

We offer different checking account types with unique requirements and options. We understand our members at Westmark Credit Union have different needs and lifestyles, so we invite you to look through the types of checking accounts we have to offer before becoming a member. If you have any other questions, just give us a call at (208) 523-1071. All checking accounts come with a free Visa check card and free Personal Branch (Home Banking). To learn more about the different custom-tailored services we offer, click here.

 CURRENT RATES  order checks Visa Check Card OPEN ACCOUNT

This is a no-frills, no-fee account. If your primary purpose is to pay bills, occasionally send family and friends money, and take care of other financial transactions on a smaller scale, this is the ideal option. And with overdraft protection up to $300, you can sleep easy at night knowing your money is safe.

Account Features

  • No monthly service fee
  • No minimum balance
  • Free Personal Branch (Home Banking)
  • Online Bill Pay, 1st 15 free per month
  • $300 return check protection
  • Free Westmark-Logo starter book of checks
  • Free Visa check card

*See comparison chart below for benefits, fees and requirements.

Are you over 55? Then chances are high you want to make interest on your money, even if it’s in a checking account. We provide additional benefits perfect for 55+ members: If you need to send cashier checks or money orders, they’re all available for just $1, and we will send you two checkbooks a year.

Account Features

  • No monthly service fee
  • Interest bearing account
  • No minimum balance
  • Free Personal Branch (Home Banking)
  • Online Bill Pay, 1st 15 free per month
  • $300 return check protection
  • Free Westmark Logo Checks - 2 boxes per year
  • Free Visa check card
  • $1 Cashier's Checks or Money Orders

*See comparison chart below for benefits, fees and requirements.

Are you under 55 and regularly transferring larger amounts of money? If you can keep a $5,000 aggregate balance and you frequently write or receive checks, then this checking account will give you even larger returns on your money.

Account Features

  • $5 monthly fee if account falls below minimum aggregate balance requirement or no monthly checking account activity
  • Interest bearing account at platinum plus rate
  • $5,000 deposit aggregate and an active checking account required
  • Free Personal Branch (Home Banking)
  • Online Bill Pay, 1st 15 free per month
  • $1,000 return check protection
  • Free Westmark Logo or Platinum Plus Checks - 2 boxes per year
  • Free Visa check card
  • 3 x 5 Safe Deposit Box (where available) - $12.00 off annual rental fee
  • $1 Cashier's Checks or Money Orders

*See comparison chart below for benefits, fees and requirements.

This checking account offers tiered rates, which pay dividends based upon your total daily balance. This account is also structured to pay the highest rate on the first tier, so you start earning a higher dividend right from the start. See the Chart for further details!

All Westmark checking accounts provide $1,000 in Accidental Death & Dismemberment Insurance, as well as allowing our members access to their accounts 24 hours per day, seven days a week through their personal computers (Personal Branch) or by using an Automated Teller Machine (ATM).

A FREE VISA Debit Card will enhance your membership experience.

Account Features

  • $500.00 Minimum Balance
  • Interest bearing account that is tiered and based on total daily balance.
  • $10 monthly fee if balance falls below $500 or other account requirements are not met.
  • $500 monthly deposit, 20 debit card transactions and $500 checking account balance.
  • Free Visa Debit Card
  • Free Personal Branch (Home Banking)
  • Online Bill Pay, 1st 15 free per month
  • No Check Cashing Fee
  • $300 Return Check Protection
  • $300 Personal Line of Credit and Overdraft Protection
  • Free Checks - 2 boxes per year
  • $1 Money Orders or Cashier Checks

*See comparison chart below for benefits, fees and requirements.

Checking Account Comparison

 

Eagle

Prime 55

Platinum Plus

High Yield

Minimum Deposit Requirement $25 $25 $25 $100
Monthly Fee No No $5, if account falls below minimum aggregate balance or no activity $10, if balance falls below $500 or other account requirements are not met.
Interest Bearing No Yes Yes, Platinum Plus Rate Yes, Tiered and based on total daily balance
Minimum Balance Requirement No No $5,000, aggregate balance and an active checking account $500 monthly deposit, 20 debit card transactions, and $500 Checking Account balance
Online Bill Pay 15 free per month 15 free per month 15 free per month 15 free per month
Overdraft Check Protection*** Up to $300 Up to $300 Up to $1,000 Up to $300
Check Orders Free Starter Book 2 boxes per year 2 boxes per year 2 boxes per year
VISA Debit Card Free Free Free Free
Personal Branch (Home Banking) Free   Free Free  Free 
Additional Benefits None $1 Money Orders or Cashier Checks $1 Money Orders or Cashier Checks

$12 off annual Safe Deposit Box rental (where available)
$1 Money Orders or Cashier Checks  

 See Disclosure for additional details. Non Sufficient Funds (NSF) fees apply to all Westmark Checking Accounts.
*Any credit line used as an overdraft source is $3 per transaction.
**Courtesy Pay – Opt In Service is $29 per Item
*** Personal Line of Credit and Return Check Protection are dependent upon Chex System Rating.

Why Westmark?

Once you choose Westmark Credit Union, opening a checking account takes virtually no time—we will set you up and have you on the go before you know it. Exceptional customer service is our primary goal, and we understand how important having access to your money is, especially when making the transition. To become a member of Westmark Credit Union, you’ll need to have a checking account anyway (as you need a minimum of $5 per member deposit)—and with our easy Account Switch Kit, transitioning has never been any easier!

Westmark Credit Union provides multiple advantages, but the first and foremost is that you become a member with us. We work to satisfy members like you, who own an equal part of the credit union. We also provide extremely low fees, as well as much more lenient overdraft fees. And with better interest rates, more relaxed policies, and the right to vote for our Board of Directors, what better place to open your checking account and make a difference?

With a Westmark Checking Account you are eligible to take advantage of numerous benefits. All checking accounts provide $1,000 in Accidental Death & Dismemberment Insurance, as well as 24/7 access to accounts via online and mobile banking as well as ATMs.

To learn more about our checking account types or to join Westmark Credit Union anywhere in Idaho, contact us today. We look forward to helping you!

Call today to set up your account!

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