General FAQs

Frequently Asked Questions - General

Where can I open an account and what is required?

Opening an account online is easy! You can open a Checking Account, Savings Account, Savings Certificate, or apply for a loan through our online application.

To open an account with Credit Union West, you must:

Meet the following eligibility requirements
1. Live, work or worship in Apache, Cochise, Coconino, Gila, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai or Yuma county OR
2. You are an employee of the credit union OR
3. You are an immediate family member of a current member of Credit Union West.
Provide the following documentation
1. US citizens must provide two forms of identification, one being a government-issued photo ID (passport, drivers license, etc.)
2. Non-US citizens must provide
  1. Proof of local residency/address
  2. SSN or Pseudo Social Security Number/Valid for Work Only Social Security Number with a W-8 BEN IRS form
  3. One form of identification such as a Matricula Consular Card, Resident Alien Card, and/or a U.S. Visa
  4. Government-issued passport

US Citizens can open an account online or by visiting a branch location. Non-US Citizens must visit a branch location to open an account.

What do I do if a check needs adjusted?

If a check was deposited/withdrawn for the incorrect amount or from the incorrect account, please contact us at 602.631.3200 or 800.621.0287 (outside of Maricopa County).

What is my account number?

Your account number can be found on your membership card, on the bottom number of your check (the second set of numbers), or you can call or visit a branch location and speak with us.

What is the maximum amount I can withdraw from an ATM in one day?

The maximum amount of cash that you are able to withdraw from an ATM in one day is $1,000.

As a Credit Union West member, you may skip your loan payment up to two times per 12 month period. For your convenience, you can choose the months that work best for you (back-to-back payments are excluded). If you have more than one qualifying loan you may request to skip a payment on each loan. Visit our Skip a Payment page to learn more.

How do I close my account?

In order to close your account, you must visit a branch or we must receive a written request by fax or postal mail. The faxed or mailed request must include your name, account number and signature. Once your account has been closed, the remaining balance will be sent to the address on file.

What tax forms should I expect and when will they arrive in the mail?

All forms are sent to members on or before January 31st. Please note: if you did not earn over $10 in dividends within the calendar year, then you will not have a 1099-INT tax form. Cash Back rewards do not count towards interest accrued. Your year-to-date interest is located on your statement. You can check your December statement to see how much interest you have accrued.

1099-INT forms are generated per Social Security Number. If you have multiple memberships you are the primary on, you will receive one form. This form will be located under your oldest membership account with us.

Can I deposit cash or checks at an ATM?

Yes, all of our ATMs at our branch locations and Allpoint+ ATMs are set up to receive deposits as well as dispense cash.

Please visit our Locations & Hours page to find the nearest Credit Union West ATM to you. You may also find an Allpoint+ ATM by visiting the Allpoint Network website or Locator Mobile App.

Are my accounts insured?

Member accounts at all credit unions are federally insured up to $250,000 by the National Credit Union Share Insurance Funds (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the (NCUA) or the (NCUSIF).

How can I submit a secure email?

To submit a secure email to us, you must first log into Online Banking. On the widget toolbar to the left, select "More", then select "Tools", then select "Message Center". You will be able to send and receive secure communication.