Frequently Asked Questions

What is your routing/ABA number?

Wescom Financial’s routing number is 322079353.

A routing number is a 9-digit code used to identify financial institutions in electronic transactions. You can also find our routing number in the lower left-hand corner of your personal checks.

If you are setting up Direct Deposit, please click here to see additional important information that will ensure your electronic deposit or debit is routed to the correct account.

What is your mailing address?

Please use the following mailing address:

Wescom Financial
P.O. Box 7058
Pasadena, CA 91109-7058

You can also find any of our convenient locations on our Branch Locations page.

Did you know? Most payments you would need to mail can also be made through online or mobile banking.

Online Banking actively reflects technological advancements to better serve and appeal to our members. We've also listened to comments and suggestions from our members and designed Online Banking to improve the usability and accessibility of the site.

Enroll in Online Banking today!

Once you've enrolled in Online Banking, you can use the same login on our mobile app. Download on the App Store or Google Play Store.

What is your contact information?

Please reach us by phone at 1-888-4WESCOM (1-888-493-7266) . For branch or department-specific information, please refer to our Contact Us page.

If you are calling to report your credit or debit card lost or stolen, please call 1-888-4WESCOM (1-888-493-7266) and press 2 as soon as possible!

Need access to your account information?

• As technology advances, so do we
• Ease of use and simplicity for our members

The new Online Banking actively reflects technological advancements to better serve and appeal to our members. We also diligently listened to comments and suggestions from our members and designed the new Online Banking to improve the usability and accessibility of the site.

Enroll in Online Banking today!

What is the Anywhere Branch?

The Wescom Financial Anywhere Branch is Wescom’s virtual branch. Through Online Banking and our mobile app, you can do most of your transactions virtually – and the Anywhere Branch has a dedicated team of friendly faces ready to provide you with a personalized banking experience.

Learn more here

Can I still bank with Wescom even if I move out of California?

Yes, through Online Banking and our mobile app, you can do most of your transactions virtually. Our Anywhere Branch team of friendly faces is also ready to provide you with a personalized banking experience.

Learn more here

What is the maximum amount I can withdraw from an ATM in one day?

The maximum daily withdrawal from an ATM is $500. For withdrawals surpassing the limit, please visit your local branch.

With your Wescom Debit Card, you can do your banking at more than 30,000 ATMs across the United States and Canada through the CO-OP ATM Network. You can make no-fee withdrawals and deposits at these ATMs whenever you see the CO-OP ATM Logo.

To find a CO-OP ATM, simply use the Wescom Location Finder.

Are there any service fees for ATM withdrawals?

ATM withdrawals are free for all members of Wescom Financial. Members of our ATM Network can also access our ATMs without charge.

Please note, if you are a non-member you will be charged for use of Wescom Financial's ATMs.

What ATM network do you use?

We use the CO-OP ATM Network.

To learn more or find an ATM near you, click here.

What are the current auto loan rates?

View our current Auto Loan rates on the Rates page of our website.

Apply for an auto loan online

Wescom Financial offers a wide variety of auto loan terms to suit your needs. The application takes just a few minutes, and decisions are usually provided within 24 hours or less.

Apply for an Auto Loan

All loans are subject to approval.

How do I apply to refinance my auto loan?

You can apply to refinance your auto loan using our Online Application, by visiting any Wescom Financial branch, or by calling us at 1-888-4WESCOM (1-888-493-7266).

When you refinance with Wescom, you can save time and money with lower monthly payments and the convenience of all your banking in one place on your own time.

All loans are subject to approval.

Manage Your Financial Wellness  Wescom provides tools for our members to reach their financial goals:

• Financial Education Center - The Financial Education Center offers 25 free financial education modules, including resources and tools to help you make smart financial decisions.
• Financial Counseling - As a Wescom member you have access to GreenPath^™, a free financial counseling service that provides confidential, one-on-one financial counseling, debt management services, and financial education tools.
• Financial Calculators

For more information on all our Wescom's financial resources visit the Financial Wellness page of our website!

What is the Timely Repayment Incentive Program (TRIP)?

The Timely Repayment Incentive Program (TRIP) gives members, who make timely payments on their auto or personal loan, the opportunity to reduce their interest rate over time by receiving a total interest rate reduction of up to 2.00% APR.^*

Eligible loans will have their interest rate reduced in 0.50% increments for every six consecutive on-time monthly payments. Your payment amount will not change. However, additional funds will be applied towards the principal balance, which can shorten the term of the loan and the total amount of interest paid over the life of the loan.

^* Total discount of up to 2.00% APR applied in increments of up to 0.50% for every six consecutive on-time monthly payments and is available with auto and personal loans funded on or after 5/1/2024. Maximum discount will never cause the final APR to be lower than the floor rate for the specific loan and term at the time of funding. The monthly payment amount remains constant, with additional money going toward the principal, which shortens the term of the loan and the total amount paid over the life of the loan. Some restrictions may apply.

What insurance requirements do you have for auto loans?

We require that our members have full coverage, commonly referred to as "Comprehensive and Collision Insurance” with up to a $1,000 deductible on any vehicle in which Wescom Financial is still the lienholder. If you switch insurance, please remember to send an updated insurance disclosure. If the insurance lapses, you may be subject to force-placed insurance and any costs associated with it.

Affordable, Quality Coverage Tailored to You

Wescom offers insurance coverage to fit your needs and your budget with the added convenience and excellent service you can expect from Wescom.

Get started with an auto insurance quote! Click here

Does Wescom offer a GAP program?

Yes, Wescom offers Guaranteed Asset Protection (GAP.)<sup>1

1</sup> Guaranteed Assets Protection is considered insurance coverage in some states. The purchase of GAP is voluntary and cannot be required as a condition of the loan.

Does Wescom offer Major Mechanical Protection?

Yes, Wescom can help protect members from costly repairs and expenses that an unexpected mechanical breakdown can bring. Get a quote.

Protect Your Vehicle, Help Protect Your Pocketbook

When you get an auto loan with Wescom Financial, be sure to protect your investment as well as your pocketbook. Wescom offers members two supplementary forms of coverage that can reduce your financial burden should the unexpected occur.

Call us at 1-888-4WESCOM (1-888-493-7266) or stop by any Wescom branch to speak to a Member Service Representative about the benefits of GAP and MMP.

How much does it cost to use Bill Pay?

Bill Pay is a free service offered to our members through Online Banking Wescom Banking. Bill Pay allows you to make one-time or recurring, electronic payments from the security of your own home!

Save Time With BillPayer

BillPayer is the easiest and fastest way to pay your bills. Schedule one-time or recurring payments to anyone via Online Banking or mobile. It's fast, easy, free — and 100% guaranteed.

To start using BillPayer, login to Online Banking and click on the BillPayer tab from the Menu bar. Now you're ready to add payees and take care of all your bills.

Can I use BillPayer in the mobile app?

Yes! BillPayer is compatible with our mobile app.

• Log in to the Wescom Mobile Banking App
• Tap on Pay & Transfer
• Select the BillPayer icon to get started

How do I access Bill Pay through Online Banking?

To access Bill Pay through Online Banking, follow the steps below:

• Login to Online Banking
• Select BillPayer from the menu navigation.

Bill Pay is a free service offered to our members through Online Banking. It allows you to set up one-time our monthly bill payments so that you never miss a due date!

Is Bill Pay secure?

You can have peace of mind knowing that our Bill Pay service meets all security requirements and is thoroughly protected. We are dedicated to your financial safety from Bill Pay to mobile banking, and everything in between!

Save Time With BillPayer

BillPayer is the easiest and fastest way to pay your bills. Schedule one-time or recurring payments to anyone via Online Banking or mobile. It's fast, easy, free — and 100% guaranteed.

To start using BillPayer, login to Online Banking and click on the BillPayer tab from the Menu bar. Now you're ready to add payees and take care of all your bills.

You can also pay your bills straight from your phone with our mobile app!

• As technology advances, so do we
• Ease of use and simplicity for our members

The new Online Banking actively reflects technological advancements to better serve and appeal to our members. We also diligently listened to comments and suggestions from our members and designed the new Online Banking to improve the usability and accessibility of the site.

Enroll in Online Banking today!

Once you've enrolled in Online Banking Wescom Banking, you can use the same login on our mobile app.

Download on the App Store or on the Google Play Store

Is there a fee for checking accounts?

Although Wescom offers free checking^*, there are other fees that can be waived in a variety of ways.

See our Checking page or Schedule of Fees and Charges to learn how!

^* Your paper statement fee is waived when enrolled in eStatements for Platinum Signature Members, Youth Accounts, Primary Account Holders age 60 and older, Fiduciary Accounts, and for the first 90 days for new accounts. A $5.00 fee will be assessed for printing and mailing a paper statement (monthly and quarterly.)

Can I open a savings or checking account online?

Absolutely! Opening an account online can be done in just a few minutes. Click one of the options below to begin your online application today!

• Open a checking account
• Open a savings account

If you have further questions, stop by a branch or contact us!

Is there a minimum deposit required to open a checking account?

No, there is no minimum deposit to open your checking account. However, there may be monthly service fees. To learn how you can waive these fees, see our Schedule of Fees and Charges or visit our checking account page today!

How do I dispute a credit card transaction?

Visa^® regulations require that you attempt to resolve your dispute directly with the merchant first.

If you have been unable to resolve your dispute with the merchant, contact us within 60 days of the post date of the charge at 1-888-4WESCOM (1-888-493-7266).

When you call:

• Have a copy of your statement handy so that you can provide the date of the transaction
• Gather any correspondence between you and the merchant
• Prepare to provide important dates such as the date you contacted the merchant

How do I request a credit limit increase?

To request a credit limit increase call 1-888-4WESCOM (1-888-493-7266) and have the following information on hand:

• Current annual income
• Employment status
• How much you pay for housing each month

Want to increase your credit line but not sure if your credit score will allow it? Visit annualcreditreport.com to receive a free copy of your credit score.

What is my PIN for my debit card?

If you are a new cardholder, your PIN will arrive in the mail separate from your ATM or debit card. At the time of activation, you will be able to set your own PIN.

If you are an established cardholder and you do not know your PIN, call 1-888-4WESCOM (1-888-493-7266) . To expedite the process please be sure to have your debit card available.

You can also visit one of our branches and select a PIN of your choice!

How do I change my personal identification number (PIN) for my debit card?

For new debit card holders, a unique Personal Identification Number (PIN) will be mailed to you separately from your ATM or debit card. At the time of activation, you will be able to set your own PIN.

If you are an established cardholder and either don’t know or have forgotten your PIN for your debit card, please call 1-888-891-2435. To expedite the process please be sure to have your debit card available.

You can also visit one of our branches and select a PIN of your choice if you have forgotten or would like to change your PIN number.

How do I activate my debit card?

If you have received your card in the mail, there will also be instructions for activation on the front of your card. For quick and easy activation, please call the phone number listed from your home phone on file with Wescom.

You can also sign into Online Banking and click on the Card Center to activate your card.

If you need further assistance, call 1-888-4WESCOM (1-888-493-7266) or visit one of our branches today! If you stop by, please bring a valid photo ID.

What is my account number?

Your account number can be located:

• On your statements
• Within Online Banking
  • From the Online Banking dashboard, select Routing & Account # (located above your Accounts tab)
  • Select your verification method and provide the requested security code
  • View your routing and account number(s)
• In the Wescom Mobile Banking App
  • From the quick access bar, select Routing # (shown as a series of tabs underneath your name)
    • You may need to scroll towards the right
  • Select your verification method and provide the requested security code
  • View your routing and account number(s)
• Look at the bottom of your check—there are three groups of numbers:
  • The first group (left) is your routing number
  • The second group (middle) is your account number
  • The last group (right) is your check number

If you have misplaced or forgotten your account number, please contact us at 1-888-4WESCOM (1-888-493-7266) or stop in at any of our branches to obtain your full account number. For security purposes, we will not include any account numbers via email.

How do I add or remove an account beneficiary?

To add an account beneficiary, please fill out and submit a Pay-On-Death Beneficiary Designation Form. You may also submit the POD form through an attachment in a secure message through Online Banking. If changes must be made to the form, it may be mailed back.

To remove an account beneficiary, call us at 1-888-4WESCOM (1-888-493-7266) . You can also visit one of our branches to add or remove a beneficiary, using the same form and with the proper identification.

How can I submit a secure email?

You may send or receive secure emails that are only accessible from Online Banking or the Mobile applications. To send us an email or read an email follow the steps below.

Online Banking:

1. Log on to Online Banking
2. Access the email icon on the top right hand side of the screen
3. Click or tap on "Compose New Email"

Mobile:

1. Log on to the mobile application
2. Access the email icon at the bottom of the screen
3. Click or tap on the icon on the lower right hand side of the screen

Can I still deposit my coins at Wescom branches starting January 2026?

Yes, but only rolled coins will be accepted at branches with a maximum of $200 per day, per member. Loose coin will not be accepted.

What is a Wescom Home Equity Line of Credit (HELOC)?

A Wescom HELOC is an open-end loan with a variable interest rate secured by the member’s home. Open-end means advances can be taken out incrementally by the member during the draw period and repaid in monthly installments.

Learn more on our Home Equity page.

How can I request a credit limit increase on a Home Equity Line of Credit (HELOC)?

To increase the credit limit of an existing HELOC, a new loan application will need to be submitted. To submit a HELOC loan application, apply online today.

What is the interest rate on a Home Equity Line of Credit (HELOC)?

Visit our Home Equity page to see our current rates.

The interest rate is a variable rate based on the prime rate plus a margin. The prime rate is set by the Federal Reserve. The margin is based on the member’s FICO score and Combined Loan-To-Value (CLTV).

You’ve worked hard for your home—let it work hard for you

Our Home Equity Lines of Credit offers an introductory rate of 3.99% APR^* for the first 12 months from account opening^¹ with a variable rate currently as low as 7.75% APR to 11.75 % APR^* after the introductory period has ended. Use the funds to help pay off higher-interest debts, home improvements, tuition, or major purchases!

Learn more and apply online today.

^* APR (Annual Percentage Rate) in effect as of 09/19/2025 and is subject to change without notice.

Membership eligibility required. All loans are subject to approval. Terms and conditions apply. NMLS #999430

The Home Equity Loan of Credit (HELOC) is a variable rate loan. The APR will increase or decrease based on the Prime Rate Index plus the margin. The maximum APR over the life of the loan is 17.90%. The minimum APR over the life of the loan is 3.00%. Monthly payments may increase or decrease with changes to the APR. The rate or margin you qualify for is based on various factors including your credit rating and the combined loan-to-value (CLTV) of your property. Maximum combined loan-to-value of 80%.

^¹To be eligible for the 3.99% introductory APR, you must not have had a Wescom HELOC within the last six months. 7.75% APR to 11.75 % APR is the current standard variable APR that would apply if this special rate was not offered. The introductory rate is only available for primary residences with a combined loan-to-value at or below 80%. After the introductory period (the first 12 months from account opening), your rate will revert to the variable rate calculated as stated in your Agreement.

What are the perks of having a Knott's Visa Credit Card?

Wescom Knott’s Visa Credit Card holders can enjoy 5% cash back on select Knott’s and California Marketplace purchases and 1.5% cash back everywhere else.¹

Plus, cardholder can enjoy the following benefits:

• $200 cash bonus when you spend $2,500 in the first three months²
• Redeem points for cash back, Knott’s gift cards, non-profit donations, and more
• Special intro APR³ and no balance transfer fee⁴ for the first six months on purchases and balance transfers. After that, a standard variable APR will apply.
• No annual or foreign transaction fees

¹MyRewards is a free program that awards you 1.5 points for every dollar you spend on purchases. Select Knott’s venue purchases may be eligible to earn 5 points per dollar spent at select merchants. Visit wescom.org/knottscardbenefits for a list of eligible merchants. MyRewards Points can be redeemed for cash back, gift cards, merchandise, travel, and other rewards, which may be changed without notice. Redemption values may vary. Balance transfers and cash advances do not earn MyRewards Points. Terms and conditions apply.

²The one-time 20,000 Bonus Points offer (redeemable for $200 cash back) is earned when you spend $2,500 within the first 90 days, starting on the account opening date. Cash advances and balance transfers do not qualify for the $2,500 purchase amount, and activation date of card does not extend the 90-day eligibility period. Cash back offer is available through the redemption of MyRewards Points. Redemption values may vary. The Bonus Point offer is available for new Wescom cardholders who have not received a new cardholder bonus points offer from Wescom within the last 24 months. Existing cardholders are ineligible to receive this offer. Terms and conditions apply.

Can I use my Knott's Visa Credit Card anywhere?

The Knott’s Visa Credit Card can be used anywhere Visa is accepted.

Do I have to have opened my Wescom account at the Knott's Berry Farm Branch to apply for the Knott's Visa Credit Card?

No. All Wescom members can apply for the Knott’s Visa.

What is my loan payoff amount?

Please follow the steps below to obtain a loan payment online.

1. Log on to Online Banking.
2. For consumer loans, click on the loan account's gear icon.
3. Select Account Details. The payoff Amount will be listed.

If requiring a 10-day pay off or if you need further assistance, call our Real Estate Servicing department at 1-888-493-7266 ext. 5800.

For auto loan payoff assistance, please call our Contact Center at 1-888-4WESCOM (1-888-493-7266).

How do I check the status of a loan application?

You can check the status of your application by calling us at 1-888-4WESCOM (1-888-493-7266) or by visiting any Wescom branch.

Do you offer debt consolidation loans?

Wescom offers loans for our members to consolidate bills and pay off other debts. There are several financing options available including Personal Loans, Auto Loans, Home Equity Lines of Credit and Credit Cards.

If you would like to discuss your options prior to applying, you may contact our Member Contact Center at 1-888-493-7266. They are trained to assess your personal situation and decide what loan type is best for you.

Apply for a Loan

It's easy. Just log on to Online Banking and apply online now.

The application takes just a few minutes, and you'll get a decision within 24 hours or less.

If you prefer, you can complete a loan application by calling 1-888-4WESCOM (1-888-493-7266), or by visiting one of our branches.

Can I set up automatic payments for my loan?

Yes. You can set up automatic payments from your Wescom account or through our auto-pay options inside of Online Banking.

How do I refer a friend to Wescom?

To refer a friend to Wescom:

Online Banking

1. Log in to Online Banking
2. Click on the Refer-a-Friend banner
3. Enter your friend's name and email and click Send

Mobile App

1. Login to the mobile banking app
2. Click on Offers on the top right
3. Click on Refer-A-Friend
4. Click on Send Referral
5. Enter your friend's and and email and select Send

What are the benefits of Platinum Signature Membership?

Platinum Signature Members get an even greater set of rewards. Earn at least eight Signature Relationship Points to enjoy:

• Closing cost rebate on new first mortgages^*
• Check your monthly FICO^® Score^†
• Unlimited non-Wescom ATM fee waivers
• Up to two free notary services
• Home Equity Line of Credit annual fee waiver^††

For a complete list of Platinum Signature Membership benefits, visit our Signature Membership Features and Benefits page.

Signature Membership terms and conditions apply.

^* Applies only to new purchases and refinances from another lender.

^† FICO^® Score through Wescom is complimentary for members with an active Wescom loan in good standing, Signature Members, and Platinum Signature Members. Members must opt-in to receive their FICO^® Score. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

^†† Refer to the Home Equity Line of Credit Disclosure for details.

How do I become a Platinum Signature Member?

A member must accumulate eight or more relationship points at any time during a calendar year.

Build your Relationship with Wescom!

To earn Signature Relationship Points, simply use Wescom for your financial needs!

Your Signature Score will update monthly to reflect any increase in Signature Relationship Points by using the following products and services:

• Checking Accounts
• Savings Accounts
• Electronic Services
• Active Online Banking or Mobile Banking
• Active Card Purchase Alerts
• Recurring Direct Deposit of $500+ per month
• Active Zelle^® Usage (incoming or outgoing)
• Loans or Credit Cards
• Insurance and Wealth Management
• Length of Membership
• Account open longer than 10 years
• Account open longer than 25 years
• Account open longer than 50 years — Automatic Platinum Signature Membership

To learn more, visit our Signature Relationship Points page!

How do I reorder checks in the mobile app?

1. Log in to the mobile app
2. Tap the More icon from the bottom navigation menu
3. Select Account Center
4. Select Options
5. Tap Order Checks
6. Select the account to order checks for
7. Tap Submit
8. Follow the on-screen prompts

How can I find my routing number in mobile banking?

Follow the steps below:

1. Log in to the mobile app
2. Tap Routing # from the quick access bar on the account screen

Is depositing a check through my mobile phone secure?

Yes! We are dedicated to your security. We have enhanced the SnapDeposit^* capture with security features so you can be confident depositing your checks anytime, anywhere.

Review the SnapDeposit Agreement for more details on how mobile deposit works!

Get Started with SnapDeposit for Mobile Devices.

With SnapDeposit, you can deposit checks straight from your Android^™ or Apple^® device into your Wescom Account. SnapDeposit allows you to deposit checks from wherever you are, conveniently and securely — saving you time.

^* Terms and conditions apply. Please refer to the About Your Credit Union Accounts disclosure for information on the Wescom Funds Availability Policy. You will be notified by email if your SnapDeposit has been accepted, rejected, or placed on hold.

What are your current rates for money market accounts?

You may view current rates by visiting our Rates Page. Please call 1-888-4WESCOM (1-888-493-7266) for details and current rates.

The More you Save, The More you'll Earn

With a TierPlus Money Market Account, the more money you keep in your account, the more money you'll earn. You'll also have instant access to your cash and the added convenience of check-writing privileges.

Visit any Wescom branch or call us at 1-888-4WESCOM (1-888-493-7266) to get started.

What are the benefits of a TierPlus Money Market Account?

The benefits of a TierPlus Money Market account include:

• Make deposits whenever you need to
• No penalty for making withdrawals
• Write up to six checks per month (six checks per month may clear)
• Money Market IRAs also available
• Higher earning rate than traditional savings account on balances over $2,500 (minimum balance required to earn interest)

What are your mortgage rates?

Mortgages are bought and sold by investors on the Secondary Market. Rates are determined by the amount an investor will spend on your mortgage.

For our most current mortgage rates, visit our Rates page.

Looking for a Mortgage?

Looking to purchase or refinance a fixed and adjustable rate mortgage? Wescom Financial has several options, so you can find what's perfect for you.

View the multiple mortgage options Wescom provides!

Can I get pre-approved before buying a home?

Yes! Pre-approval is as easy as talking with one of our friendly Mortgage Loan Officers! Click here to get started.

Getting pre-approved before buying a home provides you with valuable information and the price range that works best with your budget. A pre-approval also makes you a more attractive applicant, as the seller knows your financing has already been approved.

What are the closing costs for my mortgage?

The specific amount of your closing costs varies by situation. Appraisal fees, title charges, closing fees may all vary from state to state and also from lender to lender. To evaluate your closing fees, we've created three categories of which you should remain aware:

1. Third party fees
2. Prepaid fees - Taxes & Insurance
3. Lender fees

Third Party Fees

• Appraisal fee
• Credit report fee
• Settlement / closing fee
• Survey fee
• Tax service fee
• Title insurance fee
• Flood certification fees
• Courier/mailing fees
• Condo/PUD/HOA fees

We collect any third-party fees and pass them on to the person who actually performed the service.

Prepaid fees - Taxes & Insurance

• State/Local Taxes
• Recording fees
• Homeowner's Insurance

These fees will most likely have to be paid regardless of the lender you choose. If some lenders don't quote you fees that include taxes and other unavoidable fees, don't assume that you won't have to pay it. It probably means that the lender hasn't done the research necessary to provide accurate closing costs.

Lender Fees

• Points (not always applicable)
• Underwriting Fee
• Loan processing fees

These fees are retained by the lender. Points are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before making a decision.

Please note, this may not be an exhaustive list.

What are the new redemption options for the MyRewards Credit Card Rewards program?

While you will still be able to redeem for immediate cash-back and gift cards, there are many more new options too including:

• Merchandise
• Airline tickets
• Cruises
• Pay at-the-pump gasoline discounts
• Charitable donations
• And more

Log in to Online Banking to review your points and rewards.

Do MyRewards points expire?

Points expire at the end of the 5th year after which they were earned. For example, points earned in January 2021 will expire on your billing cycle date in December 2025.

How many MyReward Credit Card points will I receive for each purchase I make?

You will receive 1.5 points for each dollar spent on purchases. Cash advances and balance transfers do not earn points.

How do I re-order checks in Online Banking?

To re-order checks online, log in Online Banking. Under Account Center, click Order Checks. Follow the prompts to submit your order.

You may also reach us at 1-888-4WESCOM (1-888-493-7266) to re-order your checks.

How can I make a loan payment to another financial institution using Online Banking?

BillPayer is the easiest and fastest way to pay your bills.

How do I get a copy of my statement?

If you are enrolled in eStatements, choose an option below:

• From the Online Banking hamburger menu (three parallel lines) on the top left, select eStatements and Tax Forms.
• From the mobile app, select Statements from the Accounts screen.

If you are not enrolled in eStatements, you will need to visit a branch. Please note, there may be a nominal fee.

Can I access tax forms online?

Yes! Your tax documents are posted to your Online Banking account. Tax forms will be sent out each year at the beginning of February.

How do I apply for a Personal Loan?

You can apply for a personal loan through the Loan Center in Online Banking, over the phone, or in person at one of our branch locations. Not a member? Click here to apply and automatically complete a Wescom Financial membership application at the same time.

Before you apply for a personal loan, use our new loan calculator to determine an estimated monthly payment based on your preferred terms. That way, you’ll know how much you can borrow to fit into your budget. The calculator is designed to provide estimated payments using the information you provided. Your interest rate, payment, and terms may differ based on our credit evaluation and final loan approval. We do not guarantee the accuracy of the calculator or its applicability to your circumstances. Click here for current rates and terms.

What information do I need to apply for a personal loan?

You’ll need the following information to complete your application.

• Personal information: full name, date of birth, and Social Security Number or Taxpayer Identification Number
• Current address
• Current employment and income information

How much can I borrow with a Personal Loan?

Wescom Financial offers personal loan amounts ranging anywhere from $500 to $100,000^*. You can borrow money with confidence through our new loan calculator and online application process.

^* Loan amount based on the Credit Union's maximum aggregate unsecured loan limit of $100,000 per qualifying member. This includes all individual and joint unsecured credit combined.

What insurance products do you offer?

We offer the following insurance products through More than 20 carriers:

• Auto Insurance
• Recreational Vehicle Insurance
• Motorcycle Insurance
• Homeowners Insurance
• Renters Insurance
• Life Insurance

Please visit our Insurance page for more information.

What types of IRAs do you offer?

Wescom Financial offers the following IRA accounts:

• IRA Certificates: High-Yield Certificates with terms from 3 months through 5 years.
• Money Market IRA: Earn money market rates on your IRA without locking your investment into a specific term.
• Transitional IRA: If you've received a rollover from a qualified retirement plan or IRA from another financial institution, this IRA lets you "park" funds for a 3-month term while you examine your investment options.
• Roth IRA: Contributions are not tax-deductible, but distributions are tax-free.
• Other Investment Options — Stock or mutual fund investments made through Wescom Wealth Management.

An IRA is an account that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. For more information in IRAs visit the IRA page of our website.

Do you offer student loans?

Yes! Wescom Financial offers Student Loans. For more information and to view current rates visit the Student Loans page of our website.

What is the fee for sending domestic wires?

Our current wire transfer fees are listed on our Schedule of Fees and Charges. To make a wire transfer, stop into any of our branch locations.

What are the current Share Certificate rates?

We’re always trying to get you the best possible deposit rate, and therefore rates are subject to frequent change. Please find current certificate rates on our Rates page.

You may also call 1-888-4WESCOM (1-888-493-7266) or visit our local branches for more information on certificate rates.

Certificate of Deposit (CD) vs. Share Certificate. What's the difference?

Both Share Certificates and Certificates of Deposit (CD’s) offer a long-term solution to saving your money. They are considered to be a low-risk way to help your money grow over a fixed period of time. The major difference between the two is that a CD is a product that earns interest, offered by a traditional bank, and insured by the FDIC, while a Share Certificate earns dividends, is a product offered by member-owned, non-profit Credit Unions - like Wescom. Profits made by Credit Unions are returned to the members in the form of reduced fees, higher savings rates, and lower loan rates. As a member, you earn dividends on your money through competitive rates. Share Certificate funds are federally insured by the National Credit Union Administration (NCUA), up to $250,000.

For more information, visit our Share Certificate Page and see our current saving account rates on our Rates Page.

Can I withdraw funds from my Certificate before it is mature?

Yes, however there is a penalty for withdrawing from your certificate account early. To learn more, or to explore other options, contact us today.

What terms are available for Share Certificates?

At Wescom Financial we offer a variety of different term options spanning from 3 to 60 months (3, 6, 12, 18, 24, 36, 48 and 60). To lock in a rate, just choose the length of time you want to leave the money in the account to grow. Certificate Accounts provide more stability than a Money Market Account because the time period is locked in and the rate is guaranteed.

How do I send a wire transfer?

1. Branch - To send a wire in person, stop into any of our branch locations.
2. Over the Phone - To send a wire over the phone, please call our Member Contact Center at1-888-4WESCOM (1-888-493-7266) for more details.

Do you offer foreign currency exchange?

Unfortunately, Wescom Financial does not exchange foreign currency to US dollars. We apologize for the inconvenience.

How do I change my contact information?

There are a few ways to change your contact information on file with Wescom.

1. Online - Change your contact information in Online Banking by going to Profile & Settings.
2. By Mail - Send your contact information to us in the mail. Please sign and mail the Change of Address Form to:
   Wescom Financial
   123 S. Marengo Ave
   Pasadena, CA 91101
3. In Person - You can always stop by a branch and meet with us personally to update your contact information. Please bring your current state issued identification card, driver’s license or U.S. Passport.
4. By Phone - You may change your contact information with the Member Contact Center (MCC) by calling 1-888-4WESCOM (1-888-493-7266) , Monday through Friday from 7 a.m. to 8 p.m. and Saturday from 8 a.m. to 5 p.m. We are closed on Sundays.

Will the cost of trades remain the same?

Self-directed trades will continue to have a fee of $14.95, plus a $5 confirmation fee will also apply.

I changed my address or have another account change I need to make to my account. When is the last day to make any updates to my accounts(s)?

The final day to make any updates is May 4, 2025. You can also make these changes after May 19, 2025. If you need to make any changes, please reach out to your Financial Advisor or our Wealth Management Team at 1-888-879-0558. 

How do I access my previous statements or tax documents?

For historical statements or tax documents, please contact your financial advisor.

What do I need to open a Youth Account for my child?

Visit any of our California branch locations and schedule an appointment or open an account line for even greater convenience. Here's what you'll need:

• A parent or legal guardian to act as a joint owner on the account
• $1 minimum deposit to a Regular Savings Account
• One of the following forms of identification for the child including^*.
• School ID card
• California state ID card or driver's license
• U.S. passport
• Birth certificate

For more information, call 1-888-4WESCOM (1-888-879-0558)) to speak to a Wescom Representative or stop by any Wescom branch.

^* Birth certificates are acceptable for minors 0 to 14 years of age. 15 to 17 year olds must present a picture I.D. Card.

How can my child qualify for a Wescom Youth Banking Account?

Children who are ages twelve and under qualify for a Wescom Youth Banking Account. Each member receives the following benefits:

• 5.00% APY^* on the first $500 in balances to a Youth Savings Account
• Wescom ATM Card with a $100 daily withdrawal limit
• Wescom Checking Account with a qualifying parent or legal guardian as a joint signer or joint owner
• Wescom Visa^® Debit Card with a $250 daily spending limit available with a Wescom Checking Account
• Free IMAGINE THAT! Picture Card**
• Online and mobile banking access
• Option to open a College Saver Certificate
• Automatic advancement to a Wescom Youth Banking Plus Account at age 13

For more information, call 1-888-4WESCOM (1-888-879-0558) to speak to a Wescom Representative or stop by any Wescom branch.

^* APY=Annual Percentage Yield. APY is accurate as of 4/1/2024 and subject to change without notice. Fees or other conditions could reduce earnings. The 5.00% APY on the first $500 deposited to the account offer applies to youth savings accounts only and is not available with the Wescom Checking Account or the College Savers Certificate. See About Your Credit Union Account for details.

^** One per calendar year.

A parent or legal guardian must be a Joint Owner on the Checking Account and ATM/Visa^® Debit Card. Terms and conditions apply.

Account opening for Wescom Youth Banking requires a Birth Certificate. Account opening for Wescom Youth Banking Plus requires one of the following forms of identiïfication: California State I.D. Card, Driver's License, U.S. Passport, or School I.D. Card.

How can my child qualify for a Wescom Youth Banking Plus Account?

Wescom Youth Banking Plus Account is the second step in our Youth Account Program that helps children ages 13 to 17 learn how to save responsibly. Some of the benefits include:

• 5.00% APY^* on the first $500 in balances to a Regular Youth Savings Account
• Wescom ATM Card with a $250 daily withdrawal limit
• Wescom Checking Account with a qualifying parent or legal guardian as a joint signer or joint owner
• Wescom Visa^® Debit Card with a $500 daily spending limit available with a Wescom Checking Account
• Free IMAGINE THAT! Picture Card**
• Zelle^® (send up to $500 daily and receive from friends and family in the mobile app)
• Wescom Visa Credit Card with a qualifying parent or legal guardian as a co-signer (subject to credit approval)
• Online and mobile banking access
• Option to open a College Saver Certificate
• Automatic advancement to a Wescom Adult Account at age 18

For more information, call 1-888-4WESCOM (1-888-879-0558) to speak to a Wescom Representative or stop by any Wescom branch.

^* APY=Annual Percentage Yield. APY is accurate as of 4/1/2024 and subject to change without notice. Fees or other conditions could reduce earnings. The 5.00% APY on the first $500 deposited to the account offer applies to youth savings accounts only and is not available with the Wescom Checking Account or the College Savers Certificate. See About Your Credit Union Account for details.

^** One per calendar year.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

A parent or legal guardian must be a Joint Owner on the Checking Account and ATM/Visa^® Debit Card. Terms and conditions apply.

Account opening for Wescom Youth Banking requires a Birth Certificate. Account opening for Wescom Youth Banking Plus requires one of the following forms of identiïfication: California State I.D. Card, Driver's License, U.S. Passport, or School I.D. Card.

How do I use Zelle^®?

You can send, request, or receive money with Zelle^®. To get started, log in to mobile or online banking and select Zelle^®. Following the prompts, enter the information requested, accept the terms and conditions, receive a verification code(s), enter it, and you’re ready to start sending and receiving with Zelle^®.

To send money using Zelle^®:

Simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes¹ if they are already enrolled with Zelle^®.

To request money using Zelle^®: Choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle^® tag, confirm the recipient is correct and tap "Request."

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your Wescom account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

• Click on the link provided in the payment notification you received via email or text message.
• Select Wescom Financial.
• Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile number to ensure you receive your money.

What is Zelle^®

Zelle^® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle^®. Your account information and activity stay private. Zelle^® is available in over 2,300 financial institutions, so you can send money to friends and family even if they don’t bank at Wescom Financial¹.

Can I use Zelle^® internationally?

In order to use Zelle^®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Who can I send money to with Zelle^®

Zelle^® is a great way to send money to family, friends, and people you are familiar with.

Since money is sent directly from your Wescom Financial account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for, you should not use Zelle^®. These transactions are potentially high risk - just like sending cash to a person you don't know is high risk.

What types of payments can I make with Zelle^®?

Zelle^® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter, or neighbor. Since money is sent directly from your account to another person’s account within minutes¹, Zelle^® should only be used to send money to people you trust.

Zelle^® payments are considered cash transactions. Neither Wescom Financial, nor Zelle^®, offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Someone sent me money with Zelle^®, how do I receive it?

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will move directly into your Wescom Financial account, typically within minutes¹.

If you have not yet enrolled with Zelle^®:

• Log into the mobile app and select the Zelle^® icon
• Follow the prompts and enter the information requested
• Accept the terms and conditions
• Receive a verification code(s)
• Enter it and you’re ready to start sending and receiving with Zelle^®

Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle^® using that email address or U.S. mobile phone number to ensure you receive your money.

Where is the Zelle^® icon in the mobile app?

If you do not see the Zelle^® icon, please contact us at 1-888-4WESCOM (1-888-879-0558)) or click here to learn more.

Can I use Zelle^® to send money to other Wescom Members?

Yes, although to send money to another Wescom Member, please continue to use the Member-to-Member transfer feature in Online Banking and the mobile app. Zelle^® is meant for sending money to an account at an outside financial institution and has daily limits; Member-to-Member transfers do not have those same limits.

Can I reverse or cancel a Zelle^® payment?

No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select Cancel This Payment. If you do not see this option available, please contact our Member Contact Center at 1-888-4WESCOM (1-888-879-0558) for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our Member Contact Center at 1-888-4WESCOM (1-888-879-0558).

How long does it take to receive money with Zelle^®?

Money sent with Zelle^® is typically available to an enrolled recipient within minutes¹.If you send money to someone who isn’t enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes¹.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Is my information secure with Zelle^®?

Keeping your money and information safe is a top priority for Wescom Financial. When you use Zelle^® within the mobile app, your information is protected with the same technology we use to keep your Wescom account safe.

Are all Wescom Financial members eligible to use Zelle^®?

No. Members are eligible to use Zelle^® if they are in good standing, at least 15 years of age, and have a checking account.

Are there any fees to send money using Zelle^®?

No, Wescom Financial does not charge any fees to use Zelle^®. Your mobile carrier’s messaging and data rates may apply. Follow-up with your wireless provider for more information.

I'm unsure about using Zelle^® to pay someone I don't know. What should I do?

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^® for these types of transactions. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

Neither Wescom Financial nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Will a joint signer on my account be able to use Zelle^® in their name?

No. Zelle^® will link to the primary member’s name, email address, or U.S. mobile phone number only.

Will the person I send money to with Zelle^® be notified?

Yes! They will receive a notification via email or text message.

What if I want to send money to someone whose bank or credit union doesn't offer Zelle^®?

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

What if I get an error message when I try to enroll an email address or U.S. mobile number with Zelle^®?

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. Using our mobile app, you can transfer your email address or U.S. mobile phone number to Wescom Financial. Please be aware, transferring financial institutions will automatically cancel any pending Zelle^® payments and remove all payments within the Activity Screen at the existing financial institution.

Does Wescom Financial or Zelle^® offer purchase protection?

Neither Wescom Financial nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

¹ To send or receive money with Zelle^®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

Zelle and the Zelle marks used herein are trademarks of Early Warning Services, LLC.

See terms and conditions for more information.