General FAQs

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Frequently Asked Questions - General

What do I need to open an account?

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 a 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.

Where can I get the scholarship application?

Credit Union West is proud to offer $5,000 in scholarships to five lucky recipients. Applicants must be high school seniors entering college or trade school in the fall and must be members of Credit Union West. The scholarships will be awarded on the basis of academic achievement, community service and overall character. Click here for more information.

Are there any service fees for ATM withdrawals?

If you are a member of Credit Union West, there is no fee to use a Credit Union West or Allpoint ATM. If you are not a member, you will be charged $3.00 at any of our Credit Union West ATMs and subject to fees at any ATM within the Allpoint network. You may be charged a fee when you withdraw cash from an ATM that is not in our network. Those fees will vary based on each ATM. To avoid fees, you may consider receiving cash back using your debit card at a retail location. To find a Credit Union West or Allpoint ATM nearest to you, click here.

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 $500.

Can I skip a loan payment?

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.

What types of accounts can I open online?

You may open savings and checking accounts online through our secure Online Account Opening application. Click here to open a new account today!

If you would like to apply for a loan, applying is fast and easy. There is no cost to do so, and our loan staff will work with you to look for ways to get your loan request approved. Apply online.

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.

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 savings 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" and then select "Message Center". You will be able to send and receive secure communication.