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.

Online Banking 101

how to manage online banking idaho

Online banking has made it easier than ever before for Westmark Credit Union members to take control of their finances. With online banking, you can perform a long list of transactions right from your phone or computer, skipping repeated trips to the bank. The service is free for credit union members and is hosted on a secure server for your safety.

With online banking, you can do mobile check deposits, check your balance, track your transactions, and schedule transfers and payments. You can even get alerts about unusual activity on any of your accounts and use Popmoney service for fast payments when you need to split a check or pay for a service. While online banking is convenient, live credit union support is also available when you need it.

To use online banking from Westmark Credit Union, simply download our app on your phone or log into our website. For more personal finance help or additional information about eBanking, call our credit union serving Idaho at (208) 523-2722.

What You Need to Know about Managing Your Checking Account

how to manage your checking account IdahoA checking account is the banking account most people use on a regular basis. Managing yours carefully will put you in control of your spending and help you avoid financial surprises. If you’re never quite sure how much money you have in your checking account, managing it is easier than you think. Follow these steps to get the most out of your checking account.

Know Your Balance

The easiest way of making a mistake with your checking account is not knowing exactly how much you have at all times. Instead of guessing how much is there, keep track of your spending and subtract the money that goes out from your balance. You can do this using a paper check register, through online banking, or through a variety of financial apps. In addition to helping you avoid overdraws on your checking account, tracking your spending this way may help you identify areas in which you could cut back and save money.

Check Your Statements

Whether you get a paper statement in the mail or online banking statements, be sure to review your checking account statement each month. By doing so, you can ensure that you haven’t forgotten to subtract any expenses and that there is no unusual activity happening in your account.

Avoid Floating Checks

Floating checks is the practice of writing a check that you don’t have enough money to cover in the hope that a deposit will clear before the check is deposited into your account. With modern technology, there is much less float time than there was in the past. Further, this practice can lead to bounced checks and fees.

If you need help managing your checking account, talk to a member services representative at Westmark Credit Union. Our representatives can also help you apply for credit union membership and open a checking account near Idaho. To learn more about free checking and our other services, call (208) 523-2722.

Poll Suggests Millenials are Suffering under Student Loan Debt

millenials student loan debt

Thirty-seven-year-old Kelly Tynan would like to give her younger self two pieces of practical financial advice. First, go to state school; it’s far cheaper than a degree from a private college. Secondly, and relatedly, take on less student debt.

Student-loan bills now consume more than $700 per month of Tynan’s take-home pay, as a special-education teacher and mother of a 2-and-a-half-year-old in the Boston area. If Tynan didn’t have roughly $60,000 in student-loan debt, she could have saved more cash in her 20s, or would now live in a larger home. “I might have been able to take a few trips and have that experience of the world,” she says. “As a parent, that is nearly impossible to do now.”

Rising student debt is a central obstacle on the complex new financial landscape confronting Americans, particularly young people just starting out. In the latest Allstate/ National Journal Heartland Monitor poll, nearly three-in-10 young people who define themselves as just starting out cited paying off student loans as their biggest financial challenge; that tied with saving up enough money for major expenditures such as buying a home was their top concern. In sharp contrast, only about one-in-nine older poll respondents who define themselves as no longer starting out described student loans as the toughest financial challenge they faced in their own youth. Instead, older respondents pointed to making ends meet, not accumulating debt, and setting aside cash for major purchases as the greatest challenges in their early financial lives.

This is an excerpt from a longer article on The Atlantic. Click here to read the full article on their website.

How to Manage Your Checking Account Online

manage your checking account online idahoNothing compares to the personalized service you’ll receive at your local credit union, but what about when you can’t make it to your branch? In those cases, you’ll be glad you’re a member of Westmark Credit Union. With our online banking services, you can manage your finances anytime, anywhere. The ability to manage your checking account online from a laptop, tablet, or smartphone will help you to avoid overspending and track where your money goes to develop strategies to increase your savings. Here are some tips to help you get the most from online banking from Westmark Credit Union.

Monitor Your Account Regularly

Online access to your checking account is a huge improvement over the old method of managing your finances—checkbook balancing, anyone?—but only if you use it. We recommend looking at your account every couple of days to track your spending, avoid over drafting, and to keep an eye out for any unauthorized charges posted to your account.

Analyze Your Spending Habits

Your online checking account portal will show you all of the transactions and charges posted to your account. If you aren’t in the habit of keeping receipts, pay close attention to all of the purchases you’ve made to identify areas where you can cut back in order to increase your savings. For example, you may be surprised how much you’re actually spending each month on luxuries like eating out and going to the movies.

Setup Automatic Online Bill Pay

One of the best ways to unlock the full potential of online banking is to sign up for automatic online bill pay. In addition to never missing another payment again, Westmark’s online bill pay service also gives you a convenient way to track your bills in one easy and intuitive platform.

Visit your local Westmark Credit Union branch in Idaho to setup your free checking account and start taking advantage of online banking today! When you come in to sign up, our banking experts will be happy to offer any financial advice that will help you take control of your finances. If you have questions about joining our credit union, please call us toll-free at (888) 575-8704.

Using Mobile Bill Pay

mobile banking Idaho

Mobile banking by Westmark Credit Union allows you to stay on top of your finances anywhere, anytime. With mobile banking, you can view account balances, review transactions, transfer funds, and even pay your bills. That’s right, you can pay your bills when you’re out of town, stuck in traffic, or anywhere else other than in front of your computer. Westmark Mobile Bill Pay is a fast and secure way to manage your recurring payments. To start using Mobile Bill Pay, signup for online bill pay at a Westmark branch near you, add your bills, and download the TouchBanking App for your smartphone. That’s all it takes to bring your bill paying practices into the 21st century.

If you are not yet enrolled in online bill pay, or if you aren’t a Westmark Credit Union member, visit any one of our branches in Idaho to get started. You can also learn more about our mobile banking services on our website. If you have any questions about using online banking from Westmark Credit Union, stop by or call us at (888) 575-8704.
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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