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Credit Union West
Routing Number: 322172153
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Home Banking Checking Accounts

Checking Accounts

Get more out your money with high return checking accounts.

High-Return Checking


We offer no-fee1 interest bearing or cash back checking accounts, so you can earn more while you spend. 

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Rates and Fees




More Checking Options


It’s My Money Youth Checking Account
We believe it’s important for people of all ages to gain financial responsibility. With the It’s My Money Youth Checking Account, kids aged 12 to 17 can manage their own money and build healthy financial practices.
 
Fresh Start Checking
If you've had difficulties qualifying for a checking account in the past, you're likely to qualify for our Fresh Start Checking account. Fresh Start Checking gives you the opportunity to work towards financial stability and gives you access to a debit card, Mobile and Online Banking and direct deposits for a low monthly fee. 
 


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An ideal blend of growth and liquidity

New credit card holders enjoy 2% cash back on balance transfers with no annual fee.
Vehicle Loans

Affordable monthly payments with incredible rates.
 
 
  
 
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. If qualifications are met each monthly qualification cycle: (1) Balances up to and including $20,000 receive an APY of  6.00%; and (2) balances over $20,000 earn 0.05 % dividend rate on portion of balance over $20,000, resulting in a range from  6.00% - 0.05%  APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
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.
5 Qualifying debit card transactions and credit card purchase transactions must post and settle to the account during monthly qualification cycle. Debit and credit card transactions may take one or more business days from the date transaction occurred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month. For additional account details please refer to Heritage High-Yield Qualification Details or Loyalty Rewards Checking Qualification Details.