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Credit Union West
Routing Number: 322172153
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Why You Need A Checking Account

The Top Six Benefits of a Credit Union West Checking Account


Credit Union West checking accounts come with a number of perks. From saving on fees to earning higher dividends on account balances, there are several reasons why you should consider opening one. Here are the top six reasons why you need checking and how to take advantage of all your member benefits.

1.     Free checking without check-cashing fees

We offer three checking account options to fit any lifestyle: Traditional Checking, Heritage High-Yield Checking™ and Loyalty Rewards Checking™. All three options are free of monthly service fees and you will never see a minimum deposit requirement either. Better yet, when you have a checking account, you no longer need to rely on check-cashing services that charge you a fee to access your funds.

2.     Earn cash back or high-rate rewards

With our rewards checking options, your account can actually earn a monthly high-rate reward. When you meet monthly requirements, a Heritage High-Yield Checking account will earn an annual percentage yield on account balances of up to $10K and a Loyalty Rewards Checking account will earn up to 2% cash back on purchases of up to $400 each month.

3.     Set up direct deposit and get paid up to two days early

When it comes to direct deposit, we make it easy to move your money to Credit Union West. With Click&Switch, you can quickly and securely switch your recurring direct deposits and automatic payments from your old bank or credit union to your new CU West account. Plus, once your direct deposits are set up, we make your funds available up to two days early with our Early Pay Program! It’s completely free, automated, and no-hassle.


4.     Free access to Allpoint ATMs around the world

When you bank with Credit Union West, your money is never out of reach. Your checking account comes with free access to the Allpoint ATM network, which boasts more than 55,000 ATMs worldwide, so you can access your accounts no matter where you are! Use our map to find an ATM near you

5.    Manage your money on the go with our banking app

With our Mobile Banking app, you get the technology you need to reach your financial goals. Not only can you make transfers, deposit checks, and pay your bills from your smartphone, you can set up savings goals and stay on budget all in one place. Plus, get your up-to-date credit score and report when you enroll for our free credit monitoring tools.

6.     Member-exclusive discounts and savings

With our member discounts and savings, you get exclusive credit union member prices and discounts for your favorite companies. You can save on movie and concert tickets, tax services from H&R Block, and even get discounts on your cell phone bill!

Ready to get more from your finances? Get a checking account at Credit Union West and break free of the fees. Open your checking account online or in person at any branch and put yourself on track for financial wellness. 


Get more out of your money 

No-fee Checking Accounts¹

Heritage High-Yield Checking™ Loyalty Rewards Checking™ Traditional
4.07% APY 2
on balances up to $10,000

2% Cash Back
on purchases up to $400 per month

Account Features & Benefits:

Account Features
Free Services
  • Mobile App with Remote Check Deposit
  • eStatements
  • Online Banking with Bill Pay
  • Mastercard Debit Card

Membership Benefits

1 ”no-fee” – No monthly service fee; however, fees incurred for overdrafts and/or stop payments may apply. Refer to our Fee Schedule and membership account agreement for further details.
2APY = Annual Percentage Yield.
3Foreign transactions may be subject to a foreign currency conversion fee. Fees assessed are determined by card processors. Refer to Membership Account Agreement for further details.
4 Funds must be pending in the ACH warehouse to post early. Any automatic funds transfers (AFT) will happen at their normal time.

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