Frequently Asked Questions (FAQs)

Have questions about your accounts or how a product or service works? You've come to the right place. We've compiled a list of our members' most frequently asked questions. If you don't find the answer you are looking for, please contact us.

FAQ Topics

Accounts

Are my funds federally insured?

Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.

What is Regulation D?

Regulation D is a federal regulation that limits the number of electronic transfers or checks from money market and savings accounts. Under Regulation D, a maximum of six transfers per month from a savings or a money market are allowed. These transactions include phone requests, Overdraft, Online Banking, email requests and faxed requests. There are no limitations on ATM, in-branch or shared-branch transactions. Please Note: This is a regulation mandated by the federal government. This is not a Credit Union policy.

How do I remove a joint owner from my account?

The joint owner can send a note instructing us to remove their name (signature notarized) or we can close your existing account by opening a new account and transferring funds.

How do I change my name on my account?

Once you have changed your name with Social Security, please phone us. If you choose to add a joint owner, you can do so at the same time.

How can I change my address?

You can update your address through eBanking, by phoning our Call Center at 877-254-9328 or in person at any Branch.

What are the minimum balance requirements for Western Checking and Savings Accounts?

Visit our rate sheet for current minimum balance requirements.

How can I make deposits to my account?

You can make deposits in person, by mail or by ATM. You can also make deposits conveniently through payroll deduction or Direct Deposit.

How can I withdraw money?

You can make cash withdrawals in person at any Branch, CO-OP Shared Branch or ATM. If you have a Western Checking Account or Money Market Account, you can withdraw money by writing checks.

Can I continue to use my existing checks with a different Routing and Transit Number?

If the routing transit number on the bottom left corner of your checks is 322281057, you may still continue to use them. Upon reorder, your new checks will reflect the routing transit number 322079719.

How do I put a stop payment on a check?

A stop payment request may be made via Western's eBanking, through our Call Center at 877-254-9328 or at any Western Branch. A stop payment request made by telephone will expire in 14 days unless confirmed in writing within this same time period. A written stop payment request is valid for six months.

Who do I call if my checks are stolen?

If you discover your checks have been lost or stolen, please phone our Call Center at 877-254-9328.

Can I order personal checks online? What types of check styles do you offer?

After your initial order of checks, you can reorder your checks online External. If you would like a brochure of check styles offered, phone our Call Center at 877-254-9328.

How long will it take to receive my checks?

It usually takes between seven to ten business days to receive personal checks. Rush delivery methods are available for a nominal fee.

What is Western's Routing Transit Number?

The Credit Union's routing transit number is 322079719.

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Applications and Forms

Where can I find frequently used applications and forms?

Visit our Applications/Forms page for printable and online applications and forms. Or, phone our Call Center at 877-254-9328 or visit any Western branch.

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ATM AND BRANCH LOCATIONS

What is the CO-OP Shared Branch?

The CO-OP Shared Branch allows you to access your Western accounts at participating non-Western branch locations nationwide. You can make deposits, withdraw cash, make loan payments, transfer funds between accounts and more. Learn more about the CO-OP Shared Branch External and find a location near you.

What are your Branch hours?

Please view a complete listing of our branches for operating hours.

How do I perform transactions?

You simply need to provide your member number and a valid government-issued identification with photo and signature in a Branch. You can also conduct transactions through eBanking, our Call Center and Automated Telephone Banking.

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ATM, VISA DEBIT AND VISA CREDIT CARDS

What is the difference between an ATM Card, a Visa Debit Card and a Visa Credit Card?

An ATM Card provides access to your Savings or Checking Account at ATMs or wherever the Interlink logo is found.

A Visa Debit Card is available to members with a Western Checking Account. It is an ATM Card that provides access to your Savings or Checking Account at ATMs. Plus, it allows you to make purchases everywhere Visa Debit Cards are accepted. The purchase amounts are deducted from your Checking Account.

A Visa Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere Visa credit cards are accepted.

How long does it take to receive my ATM Card, Visa Debit Card or Visa Credit Card?

Approximately five to seven business days after we receive your application.

Can I order an additional Visa Debit Card for my spouse?

Yes, as long as he/she is a joint owner on your account.

What do I do if my ATM Card, Visa Debit Card or Visa Credit Card is lost or stolen?

In the event any of your Western Cards are lost or stolen, please call one of the following numbers immediately.

  • ATM Cards or Visa Debit Cards
    877-254-9328
  • Visa Credit Cards
    877-254-9328
    During business hours
    (Monday - Friday, 5:00 am - 6:00 pm, or Saturday - Sunday, 7:00 am - 3:00 pm PT)
    After business hours or holidays, 888-297-0223
    Outside the US, 410-581-9994

How much am I protected on my Cards?

Visa Debit and Credit Cards offer zero liability fraud protection for unauthorized charges as well as dispute resolution options. For unauthorized use of your ATM Card, you will not be responsible for more than $50 if reported within two business days of the loss. However, if you fail to report the loss within two business days, the loss could be up to $500. If you fail to report an unauthorized transfer within 60 days of receiving your statement, you could be responsible for the total loss.

Do deposits made at ATMs have a hold placed on them?

Yes, deposits made at Western ATMs may have a 2-day hold placed on them; however, the first $100 of your deposit will be available immediately. Deposits at non-Western ATMs may have up to a 5-day hold placed on them.

How do I dispute a transaction made with my ATM Card, Visa Debit Card or Visa Credit Card?

For assistance with your particular situation, please phone our Call Center at 877-254-9328.

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AUTOMATED TELEPHONE BANKING

What is the phone number for Automated Telephone Banking?

To use this service call 800-347-2837.

When can I use Automated Telephone Banking?

Automated Telephone Banking is available 24/7.

Is Automated Telephone Banking safe?

Yes, by requiring all members to enter an access code (PIN), Automated Telephone Banking provides a safe environment for conducting transactions.

How do I sign up for Automated Telephone Banking and obtain an access code?

You can sign up for Automated Telephone Banking by visiting a Western Branch or phoning our Call Center at 877-254-9328.

Is there a quick reference guide I can refer to when calling Automated Telephone Banking?

Yes, there is an Automated Telephone Banking Quick Reference Guide.

How do I reset or change my access code (PIN)?

To change your access code (PIN), please phone 800-347-2837, select "7" from the Main Menu, "2" for Change Preferences and "1" to Change your access code (PIN), or you may phone our Call Center at 877-254-9328.

Are the transactions I make in "real-time"?

All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend or on a holiday will be posted on the next business day with an effective date of the actual transaction date.

How many transfers can I make each month through Automated Telephone Banking?

A total of six electronic withdrawals or transfers per month are allowed from all Savings and Money Market Accounts. However, unlimited withdrawals and transfers can be made through an ATM or in person at a Western Branch or a shared-branch.

How do I begin using Automated Telephone Banking for the first time?

Call 800-347-2837

Enter your member number followed by the # sign

Enter your Western access code (PIN) followed by the # sign

What is the account number that Automated Telephone Banking is referring to?

This refers to the number assigned to each account type. For example, #1 for Savings and #2 for Checking. View our Automated Telephone Banking Quick Reference Guide for more information.

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ePAY

How do I sign up for ePay?

Western's ePay is a FREE service for members with a Western Checking Account. To sign up, you must be an eBanking user.

How do I access ePay?

Simply login to eBanking to start using FREE ePay.

Who can I call if I have a question about ePay?

You may phone our Call Center at 877-254-9328 or email us.

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CONSUMER LOANS

Do I have to be a member to apply for a loan?

No, you can apply for a loan online and by phone without being a member, however, you must be eligible for membership. Prior to the loan being funded, you will need to establish Western membership and a Savings Account.

How can I apply for a loan?

  • Online Loans: Available 24 hours a day; receive an instant response
  • Loans by Phone: 877-254-9328
  • Phone our Call Center to have an application mailed to you: 877-254-9328
  • Visit a local Branch

Is there a fee charged to apply for a loan?

There are no fees involved when applying for a Western consumer loan.

What are the minimum qualifications for a loan approval?

You must be employed or have a verifiable source of income, the ability to repay the debt and a stable credit history.

What type of income verification is required for self-employed individuals?

We require copies of your tax returns from the two most recent years.

Are there any prepayment penalties for paying off a consumer loan?

No, you can pay off any Western consumer loan without incurring a prepayment penalty.

Are Western Consumer Loans offered in all 50 states?

Yes, our loans are available to members residing in any of the 50 US states and territories.

How long does it take to get a loan decision?

If you apply using our online loan application, you can get an instant response. Using other application methods, you will usually have an answer the same day.

How long does it take to fund the loan?

If you are requesting a Western Visa or Personal Loan, funding can usually take place the same day provided all required documents are received and signed. Vehicle Loan funding, depending on the type of purchase, can generally be completed the same day provided all appropriate documents are received and signed.

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DIRECT DEPOSIT

Do you offer payroll deduction or direct deposit?

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions. Learn more about Direct Deposit.

What is the Routing and Transit Number my employer can use to begin my direct deposit?

Western's routing and transit number is: 322079719.

Can I request part of my direct deposit to be distributed to other Western accounts?

Yes, you can request direct deposit funds to be distributed to an unlimited number of Western accounts on which you are a joint owner or co-borrower. Simply complete our Direct Deposit Form.

When will my direct deposit distributions take place?

The distributions will take place when we receive your direct deposit. This usually takes two pay periods to begin.

If I am on direct deposit or payroll deduction, how long after I am paid will the funds be deposited into my account?

Your funds will be deposited immediately.

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MEMBERSHIP

What is a credit union?

A credit union is not-for-profit financial cooperative that is formed by people with a common bond. Credit unions are owned and operated by the members it serves. Members of credit unions pool their assets to provide loans and other financial services to each other.

How is a credit union different from a bank?

Banks are for-profit companies that exist to generate high levels of profit for their stockholders. Bank stockholders elect a paid board of directors to run the bank and to financially benefit stockholders, not the bank's depositors. Credit unions are not-for-profit organizations that were founded on the idea of "people helping people". They are member-owned and exist to serve their members, with a volunteer board of directors.

How do I become a member?

If you are an employee of one of the companies in our Field of Membership, you are eligible to join Western. Learn more about Western's Membership Eligibility.

Are my family members able to join?

If you are an immediate family member or a household family member of an existing Western member, you are also eligible for Western membership.

Immediate family members: Spouse, children, siblings, parents, grandchildren, grandparents, stepchildren, stepsiblings, stepparents and adoptive children.

Household family members: Persons living in the same residence, maintaining a single economic unit.

What happens if I stop working for my employer who offers the Credit Union benefit?

Once a Western member, always a Western member! We can also help you transfer your direct deposit, 401k or any other products or services associated with your ex-employer. Simply phone our Call Center at 877-254-9328.

Is there a minimum deposit required to become a member?

Yes, a minimum deposit of $5 and a one-time membership fee of $5 are required to open a Western Savings Account and establish your membership at Western.

How long does it take to process my membership application?

Provided we have all necessary documents, processing normally takes just one or two business days upon receiving your application.

As an employer, how can I join your field of membership?

Contact our Business Development Department at 877-254-9328, extension 2161, or 310-381-2161 or email us.

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MORTGAGE LOANS

What is the difference between prequalified and preapproved?

A prequalification is not a full mortgage approval, but an estimation of what you can afford. The loan officer collects basic financial information regarding your income, monthly debts, credit history and assets, then uses this information to calculate an estimated mortgage loan amount for you.

A preapproval is a comprehensive decision using the same basic financial information as well as an electronic credit report. Preapprovals, in most cases, are true mortgage commitments. The Credit Union commits to financing your home and indicates the total mortgage loan amount available to you.

If I am pre-approved, how long is my pre-approval good for?

A pre-approval is good for a maximum of 60 days, without having to complete a second review of your credit, verification of employment, verification of deposits, property value, etc.

What are mortgage points?

Mortgage points allow you to lower your interest rate. They are prepaid interest with each point equaling 1% of the loan amount.

How is the Loan-to-Value (LTV) calculated?

The Loan to Value (LTV) is the outstanding loan amount divided by the appraised property value or purchase price.

What is Private Mortgage Insurance (PMI) and what is the cost?

Private Mortgage Insurance (PMI) is required on mortgages financed at above 80% Loan to Value (LTV) and protects the lender from loss through default. The cost is based on the specified LTV premium multiplied by the Loan Amount, divided by 12.

When do my mortgage payments start?

Your first mortgage payment is usually 30 days after closing. The actual date of your first payment will be included in your closing documents.

What is the step-by-step process for obtaining a Western Mortgage Loan?

Apply Online. A Western Mortgage Representative will process your information within three business days upon receiving your completed packet. Once preapproved, a Conditional Preapproval Letter, Good Faith Estimate and an initial Truth-in-Lending Disclosure Statement will be sent to you for your signature. Sign and return the preapproval packet documents along with the required documentation requested. The approximate processing time is 15 to 20 business days.

What documents should I have to expedite the mortgage loan process?

To expedite the mortgage loan process, have the following items available:

  • Information on all assets—401(k), cash deposits, Term Certificates, etc.
  • W-2s from the last two years
  • Signed federal tax returns for the last two years (with schedules if you are self-employed or received rental income)
  • Long-term debt information (credit cards, child support, auto loans, installment debt, etc.)
  • Two most recent pay stubs

For refinancing, you will also need the following:

  • Most recent property tax bill (if available)
  • Most recent mortgage loan statement
  • Copy of your current homeowner's insurance policy

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eBANKING

How do I login to eBanking?

You need a username and password.

What if my password isn't working?

Your password may not be working if you have had three or more invalid attempts. Please phone our Call Center at 877-254-9328 or select the forgotten password link to reset your password.

Can I change my own password or login ID?

Yes. Login to eBanking and select 'Profile', then 'Change Password' or 'Change Username'.

Can I change my address and personal information online?

Yes. Login to eBanking and select 'Profile'. From here, you can update your email and postal address as well as phone numbers.

How do I reorder checks online?

Login to eBanking and select the 'Check Services' tab. Select your account and follow the easy instructions.

How do I request a Stop Payment?

Login to Western's eBanking, select on the 'Accounts' tab, then 'Stop Payments' and follow the simple instructions.

Is eBanking secure?

Yes, Western uses the highest levels of online security to safeguard your information. Our Security Center offers more information on How We Protect You and ways to Protect Yourself Against Fraud.

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ROUTING AND TRANSIT NUMBER

What is Western's Routing and Transit Number?

Western's routing transit number is: 322079719. It is the first nine digits on the bottom of your check.

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SECURITY

Can I email Western with personal information?

To email Western, please use our secure online email form or login to eBanking and send us a message from our Message Center to ensure the privacy of your information. Unsecure emails are not protected and your information may be compromised.

I'm worried I may be a victim of identity theft. What do I do?

Phone Western immediately at 877-254-9328. Our Security Center offers information on Identity Theft and what to do if you think you're a victim. You can also learn more about how to Protect Yourself Against Fraud.

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