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Westmark Credit Union

Digital Banking

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Buy Now, Pay Later

Flexible payments over time

How It Works
Getting Started
FAQ

Buy Now, Pay Later is Here!

Use your same Westmark debit card when you shop and fit larger purchases into your budget through monthly installments. It's a simple, flexible way to manage your spending—no new card required.

Here's how it works:

Use Your Debit Card

Shop wherever and whenever you want with your existing Westmark debit card.

Spread Payments Over Time

Manage your budget by splitting larger expenses into manageable monthly installments.

Manage Everything in One Place

Review and manage all your plans, offers, and payments from your Digital Banking dashboard.

No Credit Check Required

BNPL uses your existing Westmark debit card, so there's no credit check required to use this feature.

Getting Started is Easy

Follow these simple steps to start using Buy Now, Pay Later.

1

Shop with Your Debit Card

Make purchases with your Westmark debit card as you normally would.

2

Check Your BNPL Offers

Log in to Digital Banking and view available offers on eligible purchases under the "BNPL" tab.

3

Choose Your Plan

Select which purchases to split and pick the installment plan that works for you.

Quick Refund

Your purchase amount is deposited back into your account within 24 hours.

Frequently Asked Questions

Common questions about Buy Now, Pay Later.

BNPL offers are found in Westmark's Online Banking from the "BNPL" tab. From the Mobile App, you can find "BNPL" when you click on the menu icon.

If you do not see any BNPL offers, this may be because your current account status or your recent debit card purchases are not eligible for BNPL. If you already have active BNPL plans, you may not be eligible for additional offers until the active plans are paid back.

An eligible purchase is a debit card purchase made in the past 60 days that is at least $100 and was not a cash equivalent purchase (e.g., ATM withdrawal, money order, cash advance, etc.). Other restrictions surrounding the merchant type and transaction limits may affect BNPL eligibility.

No, Westmark's debit card BNPL offering does not require a credit check.