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.

What Not to Do When Writing a Check

Writing a check is a common way to transfer money or pay bills, but did you know there are certain things you should never do when writing checks? Find out more with this informative video.

You’ll learn tips on check-writing don’ts, including writing in pencil or signing a blank check, both of which give others freedom to change your checks to their desires. You’ll also learn how to prevent bounced checks and some extra tips for how to fill out your check. Learn more by watching this entire video.

For checking and savings tips, visit Westmark Credit Union. Find out what a difference joining our family can make to your finances. To learn more about us and how we nurture our local Idaho community, visit us online at http://www.westmark.org/ or call (208) 523-1071.

Strategies for Improving Your Credit Score

A good credit score is essential in securing many of life’s important purchases, such as a car and home.  Look no further than Westmark Credit Union to offer practical solutions for all of your financial needs.  Improve your credit score by opening a credit account with us today and employing the following credit improvement strategies.

Credit report

Apply for a Credit Card

If you are looking to improve your credit score or establish credit, begin by applying for a credit card. Speak with one of our Financial Service Representatives at your local Westmark branch to find out further information or to apply for your Westmark Credit Card. By demonstrating your responsibility to charge purchases and pay your credit card bill every month, you’ll begin building a good credit score. With no annual fees, convenient online access, and rates as low as 7.25% APR you will find the Westmark Credit Union credit cards to be the right fit for you.

Pay Off Old Debts

Is your credit score currently burdened by old balances and debts? Begin paying off your old debts to improve your credit score. If your credit card is charging you high interest rates that make it increasingly difficult to pay off, consider transferring your current balance to Westmark Credit Union. We offer credit cards with lower interest rates to make your debts more manageable and through December 31, 2012 you may be eligible for a cash reward for your transfer of business. Improve your credit score by moving your credit card balances to Westmark Credit Union today.

Review Your Credit Report

Order a copy of your credit report so you can review the details. Schedule an appointment with a loan officer at Westmark Credit Union to look over your credit report and assess your loans and debts. Also, review your credit report for suspicious entries. False entries on your credit report could be lowering your credit score without your knowledge. Review your credit report for a more accurate idea of your current financial situation.

Begin your journey to a better credit score today by calling Westmark Credit Union at (208) 523-1071 or by visiting one of 10 conveniently located branches in Idaho Falls, Blackfoot, Pocatello, Rigby, Rexburg, Eagle, Meridian, and Nampa. Our financial services also include mortgages, car loans, and free checking accounts.

Differentiating Credit Unions from Banks

Are you looking for a new financial institution to entrust your checking, savings, and other financial needs to? Instead of selecting a big bank, opt for a credit union for personalized services with all of the full-service options of a larger financial institution. Watch this video for more information on the specific advantages of credit unions over banks.

Unlike banks, credit unions are non-profit financial institutions. Simply placing a deposit in your local credit union makes you part owner of the establishment. Credit unions are best known for their higher rates for savings and lower rates for loans.

If you live in the Idaho Falls area, open an account at Westmark Credit Union by calling (208) 523-1071.Westmark Credit Union began in 1954 and has since expanded to ten locations in the Idaho area. Enjoy our expert financial services, such as mortgage loans and free checking accounts, by calling or visiting us today.

The Importance of Balancing Your Checkbook

Man Paying Bills With Laptop

Opening a free checking account at Westmark Credit Union allows you to enjoy the benefits of conducting your financial matters with a safe and secure financial institution. Our free checking accounts offer tremendous benefits, such as no monthly service fees and online bill pay. However, it is essential that you maintain a balanced checkbook to make the most of your Westmark Credit Union checking account benefits and avoid unwanted fees.

Avoid Overdraft Fees

If you’ve ever allowed your bank account to slip below a minimum balance or beyond your current funds, you’ve experienced the costs of overdraft fees. For larger charges, you could be faced with paying fees to your bank or credit union, in addition to the original purchase total. To avoid accidentally writing a check that overdrafts your account, always remember to balance your checkbook. Westmark Credit Union professionals can help you learn the essentials of recording your charges and deposits so that your checkbook will be accurate and you’ll avoid paying costly overdraft fees.

Prevent Debit Card Denials

Another consequence of an unbalanced checkbook is a debit card denial. Especially if you are making a major purchase, it’s crucial that your checking account is accurately represented in your checkbook. Avoid the stress of wondering whether or not you can afford to pay for dinner and drinks with your friends by maintaining a balanced checkbook. Simply verify the amount on your balanced checkbook, and avoid a debit card denial altogether.

Build A Better Budget

Westmark Credit Union makes it easy for you to avoid overdraft fees and embarrassing debit card denials by requiring no minimum balance. Simply balance your checkbook to reflect your daily expenses and you’ll always know the additional purchases that you can and cannot afford every month. Recording your purchases will help you create a better budget by monitoring the amounts you’re spending and the items you’re spending them on. Analyze your checkbook entries each month to assess your spending habits and build your savings account.

If you don’t currently have a checking account with Westmark Credit Union, visit one of our conveniently located branches in Idaho Falls, Blackfoot, Pocatello, Rigby, Rexburg, Eagle, Meridian and Nampa to open an account today. We also offer competitive rates on car loans, mortgage lending and more.  For more information, call Westmark Credit Union today at (208) 523-1071 or visit one of our 10 Idaho branches.

Click Through These Links For Information About Improving Your Financial Situation

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Stop worrying over your credit score and start improving the management of your checking and savings accounts with the following resources. Explore the links below for additional information on improving your credit and balancing your checkbook. For additional financial information on car loans, credit cards and more, call Westmark Credit Union at (208) 523-1071, visit our website (www.westmark.org) or stop by one of our 10 conveniently located branches in Idaho Falls, Blackfoot, Pocatello, Rigby, Rexburg, Eagle, Meridian and Nampa.

  • Learn everything you need to know about your credit score with this comprehensive financial information.
  • At BankingAdvice.com, learn expert tips on balancing your credit union checkbook for a more accurate representation of your finances.
  • Find out the best ways to manage your checking and savings accounts with this article.

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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