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Hometown Checking That Pays You
High returns (and free). How refreshing.
Credit Union West checking accounts are designed to fit your lifestyle. Choose either free checking with high interest or free checking with cash back.1 Both ways, you’re winning.
Heritage High-Yield Checking™
6.00% APY2
on balances up to $20,000Features & Benefits
- Free checking. Really1
- No minimum deposit
- Free Allpoint ATMs3
- Early Pay on direct deposit4
Free Services Included
- Mobile App with Remote Check Deposit
- eStatements
- Online Banking with Bill Pay
- Contactless Mastercard Debit
To Qualify for Higher Dividends each cycle5
- 15 point-of-sale transactions
- One direct deposit or ACH
- Enroll in eStatements
Loyalty Rewards Checking™
2% Cash Back
on purchases of up to $400
per month
Features & Benefits
- Free checking. Really1
- No minimum deposit
- Free Allpoint ATMs3
- Early Pay on direct deposit4
Free Services Included
- Mobile App with Remote Check Deposit
- eStatements
- Online Banking with Bill Pay
- Contactless Mastercard Debit
To Qualify for Cash Back each cycle5
- 15 point-of-sale transactions
- One direct deposit or ACH
- Enroll in eStatements
Members who selected checking also added
New credit card holders enjoy 2% cash back on balance transfers with no annual fee.
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.
2Annual Percentage Yield (APY) is variable and subject to change before and after account opening and fees could reduce earnings. APYs are accurate as of 7/1/25. New Credit Union West membership accounts require a $5 minimum balance and are subject to normal approval process. For additional account details please refer to Heritage High-Yield Qualification Details or Loyalty Rewards Checking Qualification Details.
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.
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.
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.
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