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Credit Union West
Routing Number: 322172153
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Loyalty Rewards Checking™ Account

Bank better. Live more.

Earn 2% Back on Monthly Purchases

Loyalty Rewards Checking™ is unique. This free checking account offers multiple ways for you to save money. Not only will you never be charged a monthly service fee, you can also earn 2% cash back1 on your debit and credit card purchases (up to $400). It's like we are paying you to shop. 

Loyalty Rewards Checking is an excellent account for someone who carries a lower balance and has a moderate to high number of transactions. Plus, you can open an account in as little as 5 minutes.

With Loyalty Rewards Checking you get:

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No Monthly Service Fee

No service fees, ever.

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2% Cash Back

No category restrictions. Earn cash back1 on everyday debit purchases, every month.

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FREE access to over 55,000 Allpoint Network ATMs worldwide.2

Mobile App with Remote Check Deposit

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Online Banking with
Bill Pay

Mastercard® Debit Card
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No Minimum Deposit

Avoid potential frustration and ensure your transactions are covered with Overdraft Privilege or Credit Reserve (PDF)

don't just listen to us

See What Others Have To Say


Loyalty Rewards Checking

“I used to pay a monthly fee at my old bank, so I love the free checking account.  Great savings!”
- Kayli


Loyalty Rewards Checking

“Have been very satisfied with this Credit Union. No cost checking, debit cards, points credit cards. Very friendly tellers. Responsive bank managers to your needs. Low interest loans available.”
- Phillip

Open Your Account Today!

Apply Online

On the go or at home, securely apply online.

Meet with Us

Schedule an appointment to meet with a member representative at your nearest branch.

Contact Us

Send us a message to discuss your savings goals and account needs.

Instant Answers

All you have to do is open the account, enroll in eStatements, and make sure that 15 point of sale transactions and 1 Automated Clearing House (ACH) or direct deposit posts during each Monthly Qualification Cycle.

No problem! You still have a free checking account and can qualify the following month.
A Monthly Qualification Cycle is based upon the calendar month, during which you can try to qualify for 2% cash back on the first $400 you spend.
You can earn 2% cash back on up to $400 with the opportunity to earn up to $8 each month. Any purchases above and beyond this, before the end of the month, would not earn cash back.
There is no minimum checking account deposit. As long as you have $5 in a Share Savings account, you can open a Loyalty Rewards Checking account with any deposit amount.

For Your

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Easily access your monthly statements online.
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Download the Credit Union West Mobile Banking app to access your account on the go.
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Free Bill Pay makes it easy to automate online payments from your checking.
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Transfer money into your account, review balances and more.

1If qualifications are met each monthly qualification cycle you will receive 2.00% cash back on debit card transactions and credit card purchases that post and settle to your account during the monthly qualification cycle up to a total of $400. Cash back not to exceed $8.00 per monthly qualification cycle. 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. eStatements are a condition of the account.
2Foreign 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.

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Online & Mobile Banking.

Access your accounts at any time from any location.