Westmark Credit Union
We are a full-service financial institution, owned by our members & committed to the development of their financial future. We have 12 convenient locations.

Should You Sign Up for Direct Deposit?

Direct deposit is a common feature of modern online banking. If you haven’t yet signed up for this service, it’s well worth your time to investigate whether your employer offers it. Direct deposit is a convenient alternative to visiting your credit union each week to deposit your paycheck. After you sign up for direct deposit, your employer automatically transfers the funds into your account. This means you will not need to wait for the check to clear before you can access your money. Plus, you won’t have to worry about potentially misplacing your paycheck.

Another advantage of signing up for direct deposit is that it allows you better control over your personal finances. When you fill out the paperwork, you can choose to transfer your entire paycheck into your checking account. Or, you can designate a percentage of your paycheck for deposit into your savings account. Automating your savings plan is an effective way to stay on track with your financial goals.

For convenient online banking in Idaho, consider joining Westmark Credit Union. Call us today at (208) 523-1071 or visit us online to find out how you can become a member of our credit union.

Avoid These Errors When Managing Your Checking Account

Managing a checking account may seem pretty straightforward at first blush. Yet, many consumers make some simple mistakes that could end up costing them. When you open a checking account at your local credit union, you can take advantage of the credit union representative’s financial advice. He or she can help you choose the right account for your needs, show you how to manage your account online, and answer any questions you may have.

Avoid Choosing the First Checking Account Option You Find

The right checking account for your friend or family member isn’t necessarily the best choice for you. Credit unions typically offer different options, including no-fee checking accounts. Some credit unions may even offer interest-bearing checking accounts to help you reach your financial goals. Before opening a checking account, make sure you fully understand its terms and conditions. Check whether the account requires a minimum balance, sets maximum daily withdrawals, has a monthly service fee, or offers perks such as free checks.

Avoid Holding Substantial Sums in Your Checking Account

Unless you choose a checking account that will earn interest, it’s highly advisable that you avoid maintaining a high balance in your checking account. Even if you do have an interest-bearing checking account, you may find that you can open a savings account that offers a higher interest rate. Keep sufficient funds in your checking account to pay your bills and to maintain a “cushion” of funds in case of unexpected expenses. Transfer the rest to a high-yield, interest-bearing savings account.

Avoid Neglecting to Balance Your Checkbook

Since many consumers use online banking services, they may be more likely to pay most or all of their bills online, rather than to write out checks. Yet, it’s crucial to still balance your checkbook, even if that checkbook is digital. Knowing exactly how much money you have in your account will prevent you from overspending.

At Westmark Credit Union, we offer flexible options to suit everyone’s financial needs and goals, including interest-bearing checking accounts. To open your free checking account near Idaho, visit us on the Web today. Or, call our credit union at (208) 523-1071 to inquire about our bank services.

3 Tips for Buying Your First Home

When they feel they’re ready to purchase their first home, many people head straight for the real estate listings to start shopping. However, your first step should be to visit your credit union. At your credit union, you can get preapproved for a home loan. This lets you know the price range of the homes you should be looking at.

For more helpful tips on mortgages and home buying, watch this video. It features a well-known broker who strongly encourages viewers to buy within their means and to work with a professional broker throughout the process.

Westmark Credit Union is your source for competitive mortgages in Idaho. Call (208) 523-1071 or stop by one of our branches to receive friendly financial help.

Grand Opening!

Myths About Banking Online

If you’ve been resisting making the move to online banking, you may have doubts about the security of your accounts or the ease of using online banking tools. Some people hesitate to take advantage of mobile banking because they fear it may trigger a decline in customer care. Fortunately, these are only myths. If you have any questions or concerns about online banking, a representative at your credit union can address them.

Myth: Only a Large Bank Can Protect Money Online

One of the most common myths about online banking is that it isn’t secure unless customers choose a national bank. In fact, your local credit union works just as hard to protect the money and sensitive information of its members. Ask a credit union representative about the security measures they use to protect sensitive information online. Your credit union likely uses 128-bit SSL encryption, powerful firewalls, and security question authentication for your protection. Additionally, your credit union may lock your online account if someone tries to enter an erroneous username or password several times in a row.

Myth: Online Banking Compromises Customer Service

One of the many reasons why consumers choose credit unions is that they offer friendly, personalized service. Using online banking services won’t compromise this in any way. You can still speak with a credit union representative or visit a local branch any time you need assistance.

Myth: Online Banking Is Unnecessarily Complicated

For individuals who have never used online banking services before, the thought of learning a new system may seem intimidating. Yet, if you can check your e-mail or use social media accounts, then online banking will be a breeze to master.

Here at Westmark Credit Union, our friendly representatives make every effort to help our members get the most out of our financial services. Our credit union in Idaho is pleased to offer superior online banking services to our members and should questions ever arise regarding the online banking experience, we’re always available to lend a helping hand. Give us a call today at (208) 523-1071 and find out how you can start accessing your checking account online.

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2520 Channing Way
Idaho Falls, ID 83404

Hours of Operation:

  • Closed Sunday
  • 9:30 AM to 5:00 PM Monday
  • 9:30 AM to 5:00 PM Tuesday
  • 9:30 AM to 5:00 PM Wednesday
  • 9:30 AM to 5:00 PM Thursday
  • 9:30 AM to 6:00 PM Friday
  • 9:00 AM to 1:00 PM Saturday