Westmark Credit Union
We are a full-service financial institution, owned by our members & committed to the development of their financial future. We have 10 convenient locations.

Using Your Phone to Bank with Westmark

It seemed like banking could not get any easier with the introduction of online banking in Rexburg; however, mobile banking then came along to further simplify the process. This type of online bank presents unprecedented access to e-statements and loan information. Continue on for an overview of using your phone to bank with Westmark.

Westmark allows you to access your e-statements, check on your loans, and review credit and debit card activity from anywhere in the world. Using your smartphone or mobile tablet, you can access Westmark’s mobile website or register your phone. The former option allows you to login with your Personal Branch information and is the optimal choice if you are using a mobile tablet such as an iPad. If you choose to register your phone through Westmark’s mobile banking feature, you will receive a personal URL via text message; keep in mind that you must be able to receive text messages in order to use this feature. Both of these mobile banking messages allow you to stay connected to your funds anywhere and at any time.

Contact Westmark Credit Union today by visiting us online or calling 208-523-2722 if you are interested in learning more about mobile banking.

Credit or Debit: Which Should You Use?

Credit cards and debit cards in Blackfoot are both staples of modern banking, just like mobile and online bank accounts. While some may use these two types of cards interchangeably, there are pros and cons to the use of both. Keep reading to find out which type of card you should use: credit or debit.

Overspending
One way you can determine if you are better off with a credit card or a debit card is to analyze your spending habits in relation to your financial situation. If you absolutely love shopping for expensive clothing, electronics, or other pricey products, it is important that you have the means to pay off these purchases. Individuals who have a hard time limiting themselves in these types of situations may be better off using a debit card; this will prevent them from spending outside of their means. Opting to use a credit card and spend a substantial amount of money that you do not currently have can potentially yield several negative consequences: You may have trouble paying off a significant credit card balance, or you may go delinquent and damage your credit rating.

Building Credit
If you are a very disciplined individual who does not run into the problem of overspending, a credit card may be a favorable option; this is especially true if you are interested in acquiring a loan or a mortgage in the near or long term future. Having a high credit score can help you secure lower interest rates for these loans, meaning that the extra money you will have to repay on top of the loan will be minimized. Having a positive credit history suggests that you will continue to be financially responsible and make payments on time, which drives up your credit score.

Earning Rewards
Banks, airlines, and other large entities often offer rewards for the use of certain credit cards. While this is sometimes the case with debit cards as well, these rewards are far more popular with credit cards. If you tend to travel by air frequently or are loyal to shopping at certain retail stores, there may be rewards to reap.

If you are ready to sign up for a debit or credit card, visit Westmark Credit Union today and we can get you set up. Visit us online or call

Obtaining a Mortgage

A mortgage loan in Pocatello is important for individuals who wish to finance a home for themselves and their families. Many people are aware that they can bolster their credit rating through responsible use of a credit card, but some are unsure about how to actually acquire this loan. Watch this video clip for a quick look at obtaining a mortgage loan.

The rise of the Internet has seen the birth of e-statements through mobile and online banking, and it has also become a viable resource for finding mortgage lenders. If you are looking for such a loan, you will need to contact a banker or a broker. While a banker may lend the money directly, a broker is more of an intermediary. Brokers may introduce you to loan programs that are inaccessible to bankers, but keep in mind that they charge a fee for their services.

If you are in the market for a new home and are in need of a mortgage loan, Westmark Credit Union is here for you. Give us a call at 208-523-2722 today.

The Benefits of Online Banking

Modern American society is all about getting connected, and online banking in Idaho Falls helps individuals do just that with regards to their accounts. With an online bank account, you will never feel alienated from your savings and checking accounts, e-statements, or mortgage loan information. Here is a look at a few of the benefits of online banking.

Accessibility
Banking can sometimes feel like a counterintuitive process; you earned your money, but it is stored in a system that only allows you to access it through certain buildings and automatic teller machines. With an online bank account, you can access your money whenever you need to . Your e-statements will be available to you during holidays and after hours, so you will never be left wondering how much money you have in your account. In many cases you can even pay bills online with your online bank account. Peruse your mortgage loan information or check your recent usage of your debit card at any time of day or night. With the help of smartphones, tablets, and other mobile technology, you can now access your bank account from anywhere you please using mobile banking apps.

Alerts
Not only does an online bank account help you connect with your finances, it also helps your bank communicate with you. Your bank may send you a text message alert or notify you through a mobile banking app that your balance is low or that a successful deposit has just been made. This facet of online banking is very convenient when it comes to keeping track of how much money is in each of your accounts because it helps you to make sure that you spend your money responsibly.

Environmentally Friendly
Many people have jumped on board with the green movement, and online banking fully supports the cause. Instead of using physical checks, receipts, and other paper notes, use online banking and save the environment. A digital inquiry or transaction will use no physical paper and therefore refrain from wasting any resources. However, you will still have the ability to print e-statements for your physical records.

If you are interested in online banking, contact Westmark Credit Union today by visiting us online or calling 208-523-2722.

New Banking Services Offered Among Credit Unions

Many people believe that banks offer more benefits and services than credit unions. Typically, that is because they spend more on traditional advertising that showcases new services, since their responsibility is to maximize profits to shareholders. Credit unions focus on returning money back to their members, and the truth is, they offer the same great services that banks do.

Mobile Banking
Many credit unions plan to add mobile banking as a service to their members. This will add the convenience of being able to bank on the go. You can check your account balance, transfer funds, pay bills, and much more.

Branch Sharing
CU Service Centers network is a group of credit unions that offer services of all participating members, and also more than 2,000 self-service kiosks in 7-Eleven stores. That means you can utilize other credit unions by presenting a government-issued photo ID and the name of your own credit union. This helps to give you more locations to suit your everyday needs.

Rewards Programs
Many credit unions offer great rewards programs that you can access by using more of their products and services. By earning more points, you get benefits like lower rates on loans and free traveler's checks. Some unions even offer the option to turn your points into charitable donations.

Student Loans
The number of credit unions that offer student loans is on the rise. This means you have more low-rate options besides federal loans for you or your kids to go to college.

Since 1954, Westmark Credit Union has been providing top-of-the-line financial services to the people of Idaho. We offer no-fee checking accounts, low-interest car loans, savings products, and many more services to fit whatever your needs may be. Give us a call at (208) 523-1071, or visit any of our convenient branch locations in Idaho Falls to see how we can assist you today.

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2520 Channing Way
Idaho Falls, ID 83404

Hours of Operation:

  • Closed Sunday
  • 9:30 AM to 6:00 PM Monday
  • 9:30 AM to 6:00 PM Tuesday
  • 9:30 AM to 6:00 PM Wednesday
  • 9:30 AM to 6:00 PM Thursday
  • 9:30 AM to 6:00 PM Friday
  • 9:00 AM to 1:00 PM Saturday