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.

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)

Need access to your account information?

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

What are your hours?

Our branches are open Monday through Friday from 9 a.m. to 6 p.m., Saturday from 9 a.m. to 2 p.m., and closed Sunday.

Our Contact Center 1-888-4WESCOM (1-(888)-493-7266) is open from 7 am to 8 pm Monday through Friday, 8 am to 5 pm on Saturdays, and closed on Sundays.

Visit our Branch Locations and Hours page for details.

Can anyone join the credit union?

Anyone who lives, works, worships or attends school in Southern or Central¹ California, a family member of a Wescom Financial member, or anyone affiliated with, or supports, UCLA can apply to be a member of Wescom Financial.

• Free checking²
• Free overdraft transfers³
• No minimum savings account balance fee
• Direct deposits available up to two days sooner⁴

Other Perks

• Fee-free access to more than 30,000 ATMs in our nationwide CO-OP^® Network⁵
• APY⁶ bonus on new and renewing certificates
• Access to $500 Courtesy Pay Limit
• Free temporary checks

¹ Eligible central California counties include: Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus and Tulare.

² Your paper statement fee is waived when enrolled in eStatements for Platinum Signature Members, Youth Accounts, Primary Account Members 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).

³ A $3.00 Excessive Withdrawal Fee may be charged to your Savings Account for each withdrawal or transfer in excess of four (4) within a calendar quarter.

⁴ Wescom will post your direct deposit when it is received, regardless of the settlement date. Early access to your direct deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.

⁵ Non-CO-OP® or Non-Wescom ATM operators and institutions may charge an ATM usage fee in addition to the fees charged by Wescom. Fees may apply for each transaction even if made at the same time. 6 APY=Annual Percentage Yield.

Where are your branches located?

We now have 30 Branches located throughout California. Find a branch near you:

Wescom Hours & Locations

Is my money insured?

Unlike Banks and Trusts which are insured by the FDIC is centered around Banks and Trusts, credit unions are insured by the National Credit Union Administration (NCUA) instead. Both institutions insure accounts up to $250,000. The difference is that the NCUA covers regular shares and share draft accounts which are specific to credit unions and the $250,000 coverage limit applies to total deposits at a single institution.

What holidays will you be closed?

Wescom Financial branches and offices are closed on all federal holidays. Please see the list of 2026 closings below:

• New Year’s Day (Jan. 1)
• Martin Luther King Jr. Day (Jan. 19)
• Presidents Day (Feb. 16)
• Memorial Day (May 25)
• Juneteenth (June 19)
• Independence Day (July 4)
• Labor Day (Sep. 7)
• Indigenous Peoples’ Day (Oct. 12)
• Veterans Day (Nov. 11)
• Thanksgiving Day (Nov. 26)
• Christmas Eve (Dec. 24, open until 1 p.m.)
• Christmas (Dec. 25)
• New Year's Eve (Dec. 31, open until 1 p.m.)

Even if our branches are closed, you can still conduct transactions anytime with Online Banking or make a withdrawal from one of our ATMs.

How do credit unions differ from banks?

Credit unions are not-for-profit organizations that are owned by the members of that credit union whereas banks are for-profit institutions owned by shareholders.

Because of these reasons, we are able to pass substantial savings on to our members in comparison with other financial institutions. You could save hundreds - perhaps thousands - of dollars each year by using credit union services as opposed to a commercial bank. As a member-owned financial institution, Wescom Financial returns operating profits to our members, so you can enjoy:

• Fewer fees
• Lower loan rates
• Potentially higher rates of return on savings accounts
• Personal attention
• Free financial education
• And more!

How is a credit union governed?

Credit unions are governed by their Board of Directors, who serve and represent the best interest of the members. Every member, regardless of the amount in their account, can cast a vote to elect the credit union’s board members.

What are some of the advantages of Wescom membership?

Credit union members receive a number of benefits including:

• Fewer fees
• Lower loan rates
• Potentially higher rates of return on savings accounts
• Personal attention
• Free financial education
• And more!

Am I eligible to open an account with Wescom?

You can open an account with Wescom if you live, work, worship, or attend school in one of the 21 California counties including: Los Angeles, Orange, San Bernardino, Riverside, San Diego, Santa Barbara, Ventura, Imperial, Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus, and Tulare.

You are also eligible if you are a UCLA alumnus who does not live in California or a family member (spouse, domestic partner, parent, child, grandparent, grandchild, aunt, uncle, niece, nephew, or first cousin) of a Wescom member in good standing.

Where can I get information about career opportunities?

Please find current information on our Careers page.

At Wescom Financial we pride ourselves on our great work environment and benefits:

• Benefits for Full-time and Part-Time employees
• Comprehensive medical, dental, and vision plan coverage
• 401(k) Plan with employer matching
• Paid time off including Vacation, Floating Holidays (full-time only), and Sick
• Discounted rates on loan products for employees
• Entertainment and Gym Membership discounts
• Generous Educational Reimbursement
• Wescom University is dedicated to providing learning & development opportunities to employees
• Work/Life Balance - at Wescom Financial we strive to promote a work, life balance through programs such as Healthy You and our onsite fitness centers for team members.

Who owns a credit union?

Credit unions are owned by the members of that credit union, while banks are owned by the shareholders. Every credit union member can cast a vote to elect the credit union’s board members, regardless of the amount in their account

How long has Wescom been around?

We've been around for more than 87 years! In 1934, thirteen individuals pooled $65.00 to create an alternative to the banks. Now, with over 225,000 members and more than $6 billion in assets, Wescom has become one of the largest credit unions in the country.

What is a credit union?

A credit union is a non-profit cooperative institution made up of members who borrow from pooled deposits. Credit unions offer most of the same services as traditional banks but are owned by members not shareholders and are governed by the NCUA.

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 is MMP?

Major Mechanical Protection (MMP)¹, also known as an extended warranty from Wescom, can help protect you from the costly repairs and associated expenses that an unexpected breakdown can bring. The purchase of MMP is voluntary and is not required as a condition of the loan.

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.

What is Guaranteed Asset Protection?

Guaranteed Asset Protection (GAP)¹ from Wescom offers you additional protection if your vehicle is deemed a total loss due to an accident or theft. GAP helps cover the difference between the actual cash value of your vehicle and your loan balance.

¹ Guaranteed Assets Protection and Major Mechanical Protection are considered insurance coverage in some states. The purchase of GAP and MMP is voluntary and cannot be required as a condition of the loan. 

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.

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 types of loans are eligible for the Timely Repayment Incentive Program (TRIP)?

The Timely Incentive Repayment Program (TRIP) applies to auto loans and personal loans only. The following loans are not considered eligible:

• First-Time Borrower
• Option Plus
• Pre-approved personal loans
• Refinance or cash-out loans
• Emergency or natural disaster loans
• Employee loans

What are the benefits of the Timely Repayment Incentive Program (TRIP)?

Members who are enrolled in TRIP can use their rate reductions for the following:

• To reduce the total amount of finance charges
• Help pay the principal loan balance faster
• Save you money over the life of the loan

How do I know if I'm eligible for the Timely Repayment Incentive Program (TRIP)?

Members who fund a new auto or personal loan will be automatically enrolled in the program depending on their loan terms. Enrollment is automatic and there is no application required.

What is considered an on-time payment for the Timely Repayment Incentive Program (TRIP)?

A payment is considered on-time if made no later than 15 days of the due date.

If a late payment occurs, the TRIP payment counter will be reset. Members will retain already applied TRIP rate discount(s) and can receive an additional rate reduction, after making another six consecutive on-time monthly payments.

I don't have the Timely Repayment Incentive Program (TRIP) on my auto or personal loan. How can I apply?

Members are automatically enrolled in the Timely Incentive Repayment Program (TRIP) depending on their loan terms. There is no application process.

How will I know if I've received a Timely Repayment Incentive Program (TRIP) rate discount on my loan?

A letter will be sent notifying you each time a TRIP rate discount is applied to your loan.

Do I have to buy from an auto dealer?

The simple answer is no. Wescom understands there are many different ways a new or used vehicle purchase may occur. We have made the process simple and fast when it comes to completing a variety of auto loan transactions:

• Dealership Purchases
• Lease Buyouts
• Private Party Purchases

All loans are subject to approval.

How can I apply for an auto loan?

Log in to Online Banking and select Apply for a Loan, call 1-888-4WESCOM (1-888-493-7266), or visit any Wescom branch to apply for a Wescom Auto Loan today.

How do I make my auto loan payment?

Making loan payments is simple! Setup recurring payments from your Wescom account or log in to Online Banking and you’ll see your auto loan under the Loans & Credit Cards section of your dashboard. To make a payment, select Pay Now.

Can I skip an auto loan payment?

Wescom allows qualified members to participate in our skip-a-pay program. Eligible members are able to skip up to two (2) loan payments in a twelve (12) month rolling period with a maximum of three (3) skip-a-payments over the life of the loan. Consecutive skip payments are not allowed.¹

A $25 fee will be charged for each loan payment that is skipped. Platinum Members can enjoy two free skipped payments annually and Signature Members can enjoy one free skipped payment per year.

Members may initiate a Skip-A-Payment on an eligible loan by logging into Online Banking, visiting a branch, using the mobile app, or contacting the Member Contact Center.

¹ Skipping a payment and the accrued interest may result in higher total finance charges on this loan. Skipping a payment may extend the term of your loan. Terms and conditions apply.

What is required to apply for an auto loan?

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 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.

How do I redeem my MyRewards points?

To redeem your Wescom MyRewards Points, follow the steps below:

1. Login to Online Banking or the Wescom Mobile Banking App
2. Click on Card Center and select your credit card
3. Click on Redeem Wescom Credit Card Rewards

How do I review my credit card rewards points?

You can view your credit card MyRewards points in the Loans and Credit Cards section of your Online Banking dashboard.

What do I do if I lost my ATM/debit/credit card?

If your card has been lost or stolen, contact our Member Contact Center immediately at 1-888-4WESCOM (1-888-493-7266). You can also report your own card through Online Banking:

1. Login to Online Banking
2. Click on Card Center
3. Click Lost or Stolen Card
4. Fill out the necessary information
5. Click Submit

We will block and reissue your card. We can also issue a temporary block for members who choose to visit a branch and receive an instant replacement card.

How can I send credit card payments?

Wescom Financial offers several convenient methods by which you can make your credit card payments:

• Pay online through Online Banking
• Make payments from your mobile device through the Wescom Mobile Banking App

Mail-in Payments:

Wescom Financial
P.O. Box 7027
Pasadena, CA 91109-7058

Pay over the phone by contacting us at 1-888-4WESCOM (1-888-493-7266).

What types of credit cards do you offer?

Whether you need to build your credit with a low rate card or build up points to redeem for your next vacation, Wescom has the credit card to fit your spending style. We have four options to add to your wallet:

• Wescom Active Credit Card
  • 0% intro APR* for the first 12 months on purchases and balance transfers
  • Low variable interest rate
• Wescom MyRewards Visa^® Credit Card
  • 0% intro APR for the first six months on purchases and balance transfers
  • Earn 1.5 points for every $1 spent
  • Redeem points for cash back, gift cards, charitable donations, at-the-pump discounts, travel, and more!
  • $100 cash back bonus when you spend $2,500 in the first three months from account opening
• Wescom Bruin Edge Visa^® Credit Card
  • 0% intro APR for the first six months on purchases and balance transfers
  • Earn 5 points on UCLA purchases and 1.5 points everywhere else
  • Redeem points for cash back, travel, gift cards, UCLA non-profit causes, and more!
  • $500 cash back bonus when you spend $2,500 in the first three months from account opening
• Wescom Bruin Choice Visa^® Credit Card
  • Built to help UCLA students start their credit journey with limits up to $1,000
  • 0% intro APR for the first six months on purchases and balance transfers
  • Earn 5 points on UCLA purchases and 1.5 points everywhere else
  • Redeem points for cash back, travel, gift cards, UCLA non-profit causes, and more!
  • $500 cash back bonus when you spend $2,500 in the first three months from account opening

To learn more, visit our Credit Card page and complete our Online Application process.

* APR = Annual Percentage Rate. Rates are valid as of 2/1/2026 and subject to change without notice. APR may vary based on credit qualifications. Terms and conditions apply.

MyRewards is a free program that awards you 1.5 points for every dollar you spend on purchases. Balance transfers and cash advances do not earn MyRewards points. Redemption offers for the MyRewards program may be changed without notice.

Is IMAGINE THAT! available on all Wescom Credit Cards?

No. The following credit cards are not eligible to order an IMAGINE THAT! Picture Card:

• Bruin Edge Visa^®
• Knott's Visa^®

To learn more about IMAGINE THAT!, visit our IMAGINE THAT! Picture Card Guidelines.

Optimize purchasing power with a Wescom Visa^® Credit Card

At Wescom, we offer a variety of credit cards from a low intro rate to rewards and bonuses.

To discover more card options to add to your wallet and apply online today, visit our Credit Card page.

How can I apply for a Bruin credit card?

Visit our Card Center to learn more about each of our Wescom Financial Visa^® credit cards and select Apply under the card that best suits your needs. 

You can also schedule an appointment at a local Wescom branch to apply in person.

Can I change my current Wescom MyRewards Visa^® limit to a new card type?

No. Cardholders must apply for the new card they would like. You may be approved for an additional credit line.

Apply online today on our Credit Card page.

How do I earn cash back?

You can earn 1.5% rewards points for every $1 spent¹ with our Visa MyRewards card²,  as well as our Bruin Edge^® Credit Card -- with each offering its own unique cash-back and rewards options so you can earn even more. 

Visit our Card Center to learn more.

Do you need to be a UCLA alumni, staff or faculty member, or student to apply for a credit card?

Anyone may apply for a Wescom Bruin Edge^® Credit Card. It is not a requirement to be a UCLA alumni, student, staff, or faculty.

Optimize purchasing power with a Wescom Visa^® Credit Card

At Wescom, we offer a variety of credit cards from a low intro rate to rewards and bonuses.

To discover more card options to add to your wallet and apply online today, visit our Credit Card page.

What is the security deposit for the Secured Credit Card?

The security deposit for the secured credit card is a refundable amount you pay when you apply. This deposit protects the card issuer and usually equals your available credit limit. As long as you manage your account responsibly, you can eventually apply for an unsecured credit card account and your deposit will be returned to you, making it a smart and secure way to start building credit.

All loans are subject to approval. Membership eligibility required. Terms and Conditions apply. Visit wescom.org/credit-cards for details.

How does a secured credit card work?

When you apply for a secured credit card, you provide a refundable security deposit, which typically becomes your credit limit. You can use the card for everyday purchases, just like a regular credit card. By making on-time payments and keeping your balance low, you’ll be building your credit over time. You can even establish a share secured credit card account with a trusted friend or family member to build credit together. Plus, there’s no annual fee, making it an affordable way to begin your credit journey.

Which UCLA purchases earn 5% cash back?

Use your Wescom Bruin Edge Visa^® Credit Card and earn 5% cash back on the following UCLA purchases:

• UCLA Store, UCLAStore.com and BruinTeamShop.com
• Select ASUCLA Restaurants¹
• Brookside Golf Course and Brookside Restaurant
• Rose Bowl Stadium concessions and Pauley Pavilion presented by Wescom concessions
• UCLA Athletics single game and season tickets
• UCLA campus event tickets

You'll still earn 1.5% cash back everywhere else Visa is accepted, from online purchases to bill payments!

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.

How do I order a new debit card?

Sign into Online Banking and click on the Card Center for the following self-service transactions:

• If your card is damaged and you need a replacement
• If you have lost your debit card and need a replacement

If you have never had a debit card and would like one, please contact our Member Contact Center at 1-888-493-7266 or visit one of our Branches.

Please review our Schedule of Fees and Charges for our current Card Replacement Fee.

Lost your Card?

If your card has been lost or stolen, contact our Member Contact Center immediately at 1-888-493-7266. You can also report your own card through Online Banking:

1. Log in to Online Banking.
2. Click on the Card Center.
3. Click Lost or Stolen Card.
4. Fill out the necessary information.
5. Click Submit.

We will block and reissue your card.

Is there a foreign transaction fee?

Purchases, Cash Advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions.

The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable Central Processing Date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable Central Processing Date in each instance.

The conversion rate may be different than the rate on the day of the transaction or date of posting of the Account. When a credit to the Account does not fully offset a charge to the Account due to changes in the rate, you are responsible for the difference.

Wescom Financial does not charge a foreign transaction fee.

Can I use my debit card while traveling internationally?

Yes, your debit card is accepted internationally.

What do I do if my personal identification number (PIN) does not work?

If you would like to reset your PIN, please call 1-888-891-2435 or visit any Wescom branch. If you visit a branch, please bring a valid ID.

My card was declined. What do I do?

There can be many reasons that a card would be denied. Some common reasons are:

• Card is expired
• Sufficient funds are not available for the transaction
• Fraud prevention reasons

Please contact us at 1-888-4WESCOM (1-888-493-7266) or visit a branch location for assistance.

What's the difference between a debit card and an ATM card?

A debit card is linked to your checking account and draws from the available money in the linked account. You may use a debit card with a PIN for ATM and Point of Sale transactions. These transactions immediately withdraw the funds from your account. A debit card may also be used without a PIN for signature transaction at merchants that accept Visa cards. Signature transactions place the funds on hold and transactions post in approximately two days.

An ATM card can be used with a PIN at an ATM terminal to withdraw or deposit money. It can also be used for Point of Sale transactions but it cannot be used for Visa signature transactions. Funds are immediately withdrawn when you use your ATM card.

Is there a fee for replacing my debit card?

Please review our Schedule of Fees and Charges for our current Card Replacement Fee.

Lost your Card?

If your card has been lost or stolen contact Visa Card services immediately at 1-888-4WESCOM (1-888-493-7266).

What do I do if the ATM gave me the wrong amount of money?

If the ATM belongs to Wescom Financial, stop by a branch to complete the necessary paperwork. If the ATM belongs to another financial institution, you must contact them to resolve the issue.

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. Tap the email icon on the top right hand side of the screen
3. Tap eMailbox
4. Tap Compose on the bottom 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.

How do I add a joint owner to my account?

To add a joint owner to your account, please visit your local branch and speak to a representative. If you have any questions, feel free to Contact Us and we will happily help.

You may also log into Online Banking to find the Joint Owner Designation form. The form can can be printed & mailed with IDs. To access the form after logging into Online Banking:

• Go to Account Center
• Select Open New Account
• Select the account type you would like to open
• Select Joint Owners and click on the Joint Owner Designation Form

Find your Nearest Branch!

Simply use the Branch Location Finder to find your nearest branch.

Should I close my account if I move out of California?

No! With digital banking solutions like Online and Mobile Banking, as well as ATM access through ATM Networking, you can access your money anytime, anywhere.

To find an ATM, simply use the Wescom Location Finder.

Mobile Banking - Convenient banking from your Mobile Device!

The Wescom Android App and iOS App both give you complete access to all your Wescom accounts.

Sign in to your Wescom App using Touch ID^™ or Face ID^™ for Apple^® devices and Android's Fingerprint Login for Android^™ devices.

What types of accounts do you offer?

At Wescom, we offer:

• Savings Accounts
• Checking Accounts
• Money Market Accounts
• Certificate Accounts
• IRAs (Individual Retirement Accounts)
• Wescom Wealth Management
• Insurance Services
• Youth Accounts

Explore our website to discover more accounts, products, and services!

How can I access my accounts?

You can access your accounts through our branches, ATMs, and through our Member Contact Center at 1-888-4WESCOM ( 1-(888)-493-7266).

We also offer an automated phone service called Teller#Phone to help you make loan payments, transfer funds between accounts, verify which checks have cleared, and much more! We also offer online and mobile banking options.

Access your accounts digitally - anytime, anywhere!

Online Banking and the Wescom Mobile Banking App meet your account access needs, wherever you are.

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

Where can I find frequently used forms and documents?

Visit our Wescom Forms & Documents page.

What is the difference between balance and available balance?

Your account balance is the total amount of money that is currently in your account, including all funds engaged in holds and pending transactions. 

Your available balance is the total amount of money in your account that is accessible for purchases and withdrawals. This number does not include held or pending funds.

Please note, available balance does not account for checks that have not been cashed or deposits which have yet to post. It also does not account for ACH items that may be pending or outstanding.

Overdraft fees are determined using your available balance.

How do I change my name?

To change your name on file with Wescom Financial, choose an option below:

1. By Mail: Send a photocopy of your current state issued identification card, driver’s license or U.S. Passport, showing your new name along with a completed Name Change Form.
2. In Person: You can always stop by a branch and meet with us personally to update your name. Please bring your current state issued identification card, driver’s license or U.S. Passport, showing your new name.

How long will my deposit be on hold?

The deposit will appear in your account immediately, but may not be available yet. Availability is determined by when and where you make your deposit. Review Your Ability to Withdraw Funds in our account agreement and disclosure located in the Account Center in Online Banking for specific information on deposit availability!

If your deposit does not appear in your account after the appropriate amount of time, visit a branch or reach us at ( 1-888-4WESCOM 1-888-493-7266).

 

What is required to open an account?

Visit any of our California branch locations, schedule an appointment, or open an account online for greater convenience. Here’s what you’ll need: 

• $1 minimum deposit to a Regular Savings Account
• One of the following forms of identification:
  • California state I.D. card or driver’s license
  • U.S. passport
  • Military ID
• Social Security number

For more information, call us at 1-888-8WESCOM (1-888-893-7266) to speak to a Wescom Member Service Representative or stop by any Wescom branch.

What is the difference between a Credit Card and a Debit Card?

A debit card is linked to your checking account and draws from the available funds in the linked account. You do not need a credit approval to receive a debit card. There are no interest charges.

A credit card allows you to borrow money from an approved line of credit. Each month you will receive a statement of your purchases. You will be given a minimum payment due; however if you do not pay off your credit card in full each month, you will be charged interest on the money you owe. You must submit a credit application for a credit card.

 

Why should I open an account with Wescom?

Wescom's purpose is to serve the needs of our member-owners. But service is just one of the many things that make us different from the typical banking experience. Whether you visit our branches, call the Member Contact Center, or visit us online. We go above and beyond to make sure we're meeting your needs.

We provide access to innovative technology that provides account access anytime, anywhere, and encourage you to let us know how we're doing and how we can better meet your needs!

Can I donate to the Wescom Foundation?

Yes. Get involved by making a donation to the Wescom Foundation and 100% of your donation will go directly to support local nonprofit organizations that better the lives of Californians.

If you’re a Wescom member, log in to Online Banking to make your donation straight from your Wescom account.

If you’re not a member, click here. 

What other organizations does the Wescom Foundation support?

The Wescom Foundation sponsors the following nonprofit organizations throughout the year through monetary donations: 

• A Place Called Home 
• House of Ruth 
• MEND 
• Thomas House Family Shelter 
• Union Station Homeless Services  

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 7.25% APR to 10.25 % APR^* after the introductory period has ended. Use the funds to help pay off higher-interest debts, home improvements, tuition, or major purchases!

^* APR (Annual Percentage Rate) in effect as of 12/12/2025 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. 7.25% APR to 10.25 % 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.

Does Wescom offer Home Equity Lines of Credit (HELOCs) in any state?

No. Wescom offers HELOCs in California only.

Are there closing costs associated with a Home Equity Line?

Wescom will cover most closing costs associated with a HELOC which may include: credit report, title insurance, flood certification, settlement/closing, recording, property search. If a full appraisal is requested by the member to validate the property value obtained, the cost will be paid by the member. If the line of credit is paid off and the loan is closed during the first thirty-six (36) months following the date of the Note, a $750 processing fee will be due to the Credit Union upon payoff and closure of the loan.

How can I access my Home Equity Line of Credit (HELOC) funds?

You can access your HELOC through Online Banking or the mobile app. Simply transfer funds from your HELOC to your Wescom Checking or Savings account.

You can also use checks tied directly to your HELOC. At loan closing, you'll be presented with the option to request checks for your HELOC. In the event that you elect to receive checks, you will receive a box of checks typically within 10-14 business days of the loan closing.

What documentation is required for a Home Equity Line of Credit (HELOC) application?

The standard items required for a HELOC application are:

• Proof of income (paystub, W-2, or Tax Returns if self-employed)
• A mortgage statement (if applicable)
• Proof of homeowners insurance
• Monthly HOA dues (if applicable)

When are monthly payments due for a Home Equity Line of Credit (HELOC)?

HELOC payments are due on the 25th of each month. The payment due date is non-negotiable.

What is the term and payment schedule of a Wescom Home Equity Line of Credit (HELOC)?

The HELOC is a 30-year loan term. The first 10 years is the draw period in which interest-only payments are allowed, followed by a 20-year repayment period at fully amortized principal and monthly principal and interest payments.

Is there an annual fee for a Wescom Home Equity Line of Credit (HELOC)?

Yes. There is a $75 annual fee. This fee is waived for the first year and every year for Platinum Signature Members. The fee is charged on the anniversary date of when the HELOC was opened.

Manage Your Financial Wellness

Wescom is proud to provide tools to reach financial goals! 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.

Get started with GreenPath here and visit our Financial Wellness page for more resources.

Does Wescom offer Home Equity Lines of Credit (HELOCs) on non-owner occupied properties?

Yes! Wescom offers HELOCs on second or vacation homes within California.

Is there an introductory rate on a Home Equity Line of Credit (HELOC)?

Yes. Wescom offers a 3.99% APR for the first 12 billing cycles for primary residences and a maximum CLTV (combined loan-to-value) of 80%.

The introductory rate is in effect on the date the HELOC opens and for the first 12 billing cycles, regardless if the member makes a draw or not. The introductory rate expires after the first 12 billing cycles.

Visit our Home Equity page for more information.

Are Wescom Home Equity Lines of Credit (HELOC) available only to Wescom members?

Yes. Anyone within Wescom’s field of membership can apply for a HELOC. The borrower will need to become a Wescom Member prior to funding.

Visit our Membership page to apply for membership.

When I make payments on a HELOC, how is the payment broken out between principal and interest?

During the initial 10-year draw period, a member’s minimum obligation is to make interest-only payments. When payments are made, any and all interest due will be collected first. Any amount remaining from the payment will then be applied towards the principal.

Learn more about Home Equity Lines of Credit.

How much can a member borrow with a Home Equity Line of Credit (HELOC)?

Members can borrow up to 80% of the value of their primary residence. The minimum loan amount is $15,000 and the maximum is $1,000,000.

Are there any restrictions on how a member can utilize their Home Equity Line of Credit (HELOC)?

No. The line of credit can be used for any purpose.

What is the cost of the appraisal for a Home Equity Line of Credit (HELOC)?

The cost of the appraisal varies between what type of report is needed for approval. Wescom pays the cost of the appraisal. If a full appraisal is requested by the member to validate the property value obtained, the cost will be paid by the member, which can be approximately $400 - $800.

How often can the interest rate change on a Home Equity Line of Credit (HELOC)?

The interest rate is controlled by the Federal Prime Rate and is subject to change on a monthly basis.

Does Wescom require a minimum draw balance be taken on a new Home Equity Line of Credit (HELOC)?

No. The member is not required to make an initial draw at the time of funding or at any time during the 10-year draw period.

Does Wescom issue Home Equity Lines of Credit (HELOCs) on a subject property that is in a Trust?

Yes, but only if the Trust is revocable.

Does the variable rate on a Home Equity Line of Credit (HELOC) apply to the entire term of the loan?

Yes. The rate will maintain a variable rate until the HELOC matures or is paid and closed.

Can the loan product I applied for be changed after the application is submitted?

Yes. The loan product can be changed after initial submission. The credit score and appraised value, which need to be verified, can impact the final loan product.

What happens to a Home Equity Line of Credit (HELOC) if at the end of the 10 year draw period there is an outstanding balance?

As long as the balance on the line at the end of the draw period is more than $0, the loan will enter the 20-year repayment period.

Do solar panels have an impact on the Home Equity Line of Credit (HELOC) process?

Yes. Solar panels can be considered a lien on title, which may need to be paid. This can impact how much can be financed as well as the interest rate a member will pay.

Do members need to reside in the subject property for a Home Equity Line of Credit (HELOC)?

If the HELOC is against a primary residence, it is required that the member occupy the subject property.

Are there any fees or costs a member must pay when obtaining a Wescom Home Equity Line of Credit (HELOC)?

No. Members pay no origination fees or closing costs for a Wescom HELOC. However, there may be other costs outside of Wescom that the member is responsible for.

For example, if the member is paying off an existing real estate loan with the proceeds of the HELOC, the Credit Union does not cover costs imposed by other lenders. If the member pays off and closes the Wescom HELOC within 36 months of the open date, there may be a $750 early closure fee due upon payoff.

What happens to a Home Equity Line of Credit (HELOC) if at the end of the 10 year draw period there is no balance?

The HELOC is closed and the lien is removed from the title.

When is the credit report pulled during the on a Home Equity Line of Credit (HELOC) application?

The credit report is pulled at the beginning of the application process and once the member provides consent to pull their credit.

Does the primary applicant have to be the primary account owner to qualify for a Home Equity Line of Credit (HELOC)?

Yes. We’re unable to fund the HELOC if the primary applicant is a joint account owner.

Do all applicants have to be on title of the subject property for a Wescom Home Equity Line of Credit (HELOC)?

All applicants will be required to be on title as a condition of funding the HELOC.

What are the Wescom Knott's Berry Farm Branch hours?

The Wescom Knott’s Berry Farm Branch is open from Monday-Saturday from 9 a.m. to 6 p.m. Special park hours and events may affect branch hours.

Find a branch near you:

• Wescom Hours & Locations
• Wescom Branch Map

Where is the Wescom Knott's Berry Farm Branch located?

The Wescom Knott’s Berry Farm Branch is located in Knott’s California Marketplace across from Virginia’s Gift Shop (next to the Front Entrance).

What banking services can I conduct at the Wescom Knott's Berry Farm Branch?

We offer our full-range of banking products and services at the Wescom Knott's Berry Farm Branch including new accounts, loans, cash withdrawals, insurance options, and investments.

Where can I park if I need to visit the Wescom Knott's Berry Farm Branch?

The metered lot by Knott's California Marketplace offers complimentary parking for up to one hour.

Is there an on-site Wescom ATM at the Wescom Knott's Berry Farm Branch?

Yes, the Wescom ATM is located outside of the branch. However, the ATM is currently undergoing maintenance and is not available at this time.

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.

Will Wescom members receive discounts to Knott's Berry Farm, Knott's Soak City, Knott's Berry Farm Hotel, and Mrs. Knott's Chicken Dinner Restaurant?

As we look forward to starting this new partnership with Knott’s, we will notify members of discount opportunities if they become available. 

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

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

On what purchases can cardholders earn 5% cash back, or 5 points, for each dollar spent?

Knott’s single day passes and annual passes, parking passes, Mrs. Knott’s Chicken Dinner Restaurant, The Knott’s Hotel, Knott’s parking, Fast Lane Passes, food and beverage purchases in the park, and Knott’s merchandise in the park and online.¹

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.

Where can I find the current interest rate for the Knott's Visa?

You can find current rates at Wescom Financial | Credit Cards.

Can the card be personalized using Imagine That!

No. Knott’s cardholders may not design their card using Imagine That!

Does Knott's sponsor this card?

 

As the Official Banking Partner of Knott’s Berry Farm, Wescom members can apply for the Knott’s Visa Credit Card.

Is there a usage bonus?

Yes. If members spend $2,500 with their Knott’s Visa within the first 90 days from account opening, they will receive bonus points valued at $200 cash back.²

² The 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.

Will there be a promotional interest rate on purchases and balance transfers?

Yes. Cardholders will enjoy a special introductory APR³ for six months on purchases and balance transfers. After that, a standard variable APR will apply. The APR will vary with the Market based on the Prime Rate. Visit wescom.org/credit-cards for details.

³Special Introductory APR (Annual Percentage Rate) is valid as of 02/01/2026 and subject to change without notice. The Introductory APR for purchases and balance transfers will apply to transactions posted to Your Account during the first six billing cycles following the opening of Your Account. On the first day of the month following six billing cycles, the APR will revert to the prevailing non-introductory APR on all balances. The APR will vary with the Market based on the Prime Rate. Any existing balances on Wescom Central Credit Union loans or credit card accounts are not eligible for the Intro APR for balance transfers. Terms and conditions apply.

Do you have to be a Wescom member to apply for the Knott's Visa?

No. Non-members can apply for the Knott’s Visa and will become a member if they are approved and accept the Knott’s Visa.

Can a current cardholder of a MyRewards or Bruin Visa Credit Card convert their card to a Knott's Visa?

No. Cardholders cannot convert between card types because the programs have different terms and offers that may affect disclosure requirements.

Can the Knott's Visa be added to my mobile wallet in the mobile app?

Yes. Knott’s Visa cards can be added to the cardholder’s mobile wallet.

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.

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 1-888-4WESCOM (1-888-493-7266) ext. 5800.

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

Can I skip one of my loan payments?

Yes, you can skip a loan payment using Skip-a-Pay on many loans. If you take advantage of Skip-a-Pay, your loan(s) will continue to accrue interest during that time. Deferring your loan payment will extend the term of your loan(s); you always have the option of making additional or larger payments in the future to pay down your loan faster. Real Estate loans are not eligible for Skip-a-Pay. Other terms and restrictions apply.

To skip a payment, submit a request through Online Banking Wescom Banking:

1. Log on to Online Banking
2. Click on Account Center
3. Click on Skip A Payment

What kinds of loans can I apply for?

Wescom offers the following types of loan programs:

• Home Loans
• Auto Loans
• Personal Loans
• Home equity Loans and Lines of Credit
• Personal Lines of Credit
• Wescom Visa Credit Cards

Explore our website to discover more accounts, products, and services! 

Apply for a Loan Today

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, call 1-888-4WESCOM (1-(888)-493-7266), or visit one of our branches to complete a loan application.

Not a member?

Anyone who lives, works, worships or attends school in California is eligible to open an account at Wescom.

Open an account at Wescom Financial and start experiencing the Credit Union Advantage.

How long does loan approval take?

Typically, you will receive loan approval for consumer loans in one business day.

If you are waiting on a Mortgage Loan approval and would like to see the status of your application, click here. Once on the Mortgage Web Center, hover over the Apply Now tab and click View Pending Applications.

How do I establish credit?

Building your credit involves taking out loans or having available credit where monthly payments are made on-time and balances are reduced or paid in-full. Credit cards and personal loans are good initial products to help you establish credit.

Apply for a personal loan or credit card today! For more information regarding loan products available at Wescom, click here.

How do I make a loan payment in mobile banking?

To make a loan payment from the mobile app, follow the steps below:

1. Log on the Wescom Mobile Banking App
2. Tap on the loan that needs to be paid
3. Tap the Pay Now icon
4. Complete the Pay & Transfer information on the screen
5. Tap on Confirm to make your payment

Can my loan be paid off by a third party?

Yes. Anybody can pay off the loan! However, title rights and responsibilities belong solely to the party listed on the title and loan.

To arrange a third party payoff, contact us at 1-888-493-7266. You may also request a Payoff Authorization form, sign it, and mail it with your full payoff payment to:

Wescom Financial
PO Box 7042
Pasadena, CA 91109-7042

How long does it take to receive my title once I've paid off my loan?

Depending on state laws, paper titles are generally mailed and electronic tiles and/or liens are released by the motor vehicle agency approximately 10 business days after the pay off is received. Make sure that the motor vehicle agency has your updated address to obtain the title. Allow 15-30 days for receipt of your title based on mail time and/or motor vehicle agency process.

For further assistance, please contact us at 1-888-493-7266.

Can I make my loan payment over the phone?

Yes! Contact us at 1-888-493-7266 to make a payment over the phone. You can also enroll in Bill Pay through Online Banking Wescom Banking so you're never late on a payment.

What will happen if I am late on a loan payment?

If you are late on a loan payment you may be charged a late fee. For fee charges, please see our Schedule of Fees and Charges. The late payment may be reported to your credit report when your payment is more than 30 days late. 

What is a Quick Assist Loan?

The Quick Assist Loan is a zero-interest loan that does not require a credit check. This alternative gives borrowers fast access to cash in order to cover unexpected expenses.

Contact us at 1-888-4WESCOM (1-888-493-7266) for assistance.

What are the Quick Assist Loan qualifications?

In order to qualify for the Quick Assist Loan, you must meet the following guidelines:

• Must be 18 years or older.
• Cannot be in your New Member Period (the first three full calendar months after the date of joining Wescom ranging from 90 to 120 days).
• Cannot have a negative share of any amount.
• Cannot have any delinquent loans.
• Cannot have more than three Quick Assist Loans in a six-month rolling period.
• Must have had a $400 minimum ACH direct deposit each month for the past three calendar months.

Do you have loans for motorcycles?

No. Wescom does not offer motorcycle loans. However, we do offer other financing options to purchase or refinance your motorcycle such as:

• Personal Loans
• Auto Loans
• Home Equity Lines of Credit

Visit our loans page for more information and apply for your Wescom loan today!

Is there an application fee to apply for the Quick Assist Loan?

Yes. The application fee is $25.

How is the Quick Assist Loan amount calculated?

The maximum loan amount is determined by your average total ACH deposits from the past three calendar months.

How can I qualify as a first-time borrower for an auto loan?

To be approved under the First-Time Borrower program, members should meet the following guidelines:

• Must be a first-time borrower with no previous auto loans present on your credit report.
• A minimum gross monthly income of $1,500 for the primary employer.
• Income verification is required.
• Must not have any derogatory records on your credit report.
• Although a co-applicant is not a requirement, if you choose to include one, they must meet the following guidelines:
  • No derogatory records on credit report
  • Must be a spouse, parent, or legal guardian
  • If the co-applicant qualifies, the loan will be approved according to their credit qualifications

All loans are subject to approval. Terms and conditions apply.

Are there any discounts for first-time auto loan borrowers?

Yes! A member who finances a loan under the First-Time Borrower Program will be eligible for a rate reduction after six months of consecutive timely payments.

The rate will be lowered to remove 2.00% from the current interest rate. If the rate is decreased, a letter will be sent to the member notifying them of the rate decrease.

* Total discount of up to 2.00% APR applied in increments of up to 0.50% for every six consecutive on-time monthly payments. 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.

Will an application fee be charged if I am declined for the Quick Assist Loan?

Yes. The application fee will be charged regardless of the loan decision. If you wish to re-apply for a Quick Assist Loan within 15 days of your first application, you will not be charged another application fee.

Will the Quick Assist Loan show on my credit report?

Yes, the Quick Assist Loan will be reported to the credit bureaus.

Will I earn Signature Membership points for the Quick Assist Loan?

The Quick Assist Loan will not earn Signature Membership points. In addition, it should not be obtained to establish credit or to be utilized as an overdraft source.

Can I add a joint applicant on a Quick Assist Loan?

Yes! An existing joint account holder on any shares can be added to the Quick Assist loan.

How can I qualify as a first-time borrower for a Wescom Visa^® Credit Card?

Members must meet our standard underwriting guidelines. Depending on your credit limit approval, you must meet the following:

• Must be a first-time credit card borrower with no previous credit cards present on your credit report.
• Must not have any derogatory records on your credit report.
• Minimum gross income of at least $250 per month.
• Debt-to-income not to exceed 45%.
• Income verification is required.

All loans are subject to approval. Terms and conditions apply.

Are there any discounts for first-time Wescom Visa borrowers?

Yes! After 12 months from the open date, a First-Time Borrower will be eligible for a rate decrease.

Do I have to buy from an auto dealer?

The simple answer is no. Wescom understands there are many different ways a new or used vehicle purchase may occur. We have made the process simple and fast when it comes to completing a variety of auto loan transactions:

• Dealership Purchases
• Lease Buyouts
• Private Party Purchases

Apply for a Wescom Auto Loan online

Wescom offers a wide variety of auto loan terms to suit your needs. The application takes just a few minutes, and you'll get a decision within 24 hours or less.

Apply for an Auto Loan

All loans are subject to approval.

How can I apply for an auto loan?

Log in to Online Banking and select Apply for a Loan, call 1-888-4WESCOM (1-888-493-7266), or visit any Wescom branch to apply for a Wescom Auto Loan today.

How do I make my auto loan payment?

Making loan payments is simple! Setup recurring payments from your Wescom account or log in to Online Banking and you’ll see your auto loan under the Loans & Credit Cards section of your dashboard. To make a payment, select Pay Now.

Can I skip an auto loan payment?

Wescom allows qualified members to participate in our skip-a-pay program. Eligible members are able to skip up to two (2) loan payments in a twelve (12) month rolling period with a maximum of three (3) skip-a-payments over the life of the loan. Consecutive skip payments are not allowed.¹

A $25 fee will be charged for each loan payment that is skipped. Platinum Members can enjoy two free skipped payments annually and Signature Members can enjoy one free skipped payment per year.

Members may initiate a Skip-A-Payment on an eligible loan by logging into Online Banking, visiting a branch, using the mobile app, or contacting the Member Contact Center.

¹ Skipping a payment and the accrued interest may result in higher total finance charges on this loan. Skipping a payment may extend the term of your loan. Terms and conditions apply.

What is required to apply for an auto loan?

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. Scroll to the bottom of the account screen
3. Tap on Refer Friends to Wescom
4. Tap Send Referral
5. Enter your friend's name and email address and tap Send

If I refer a friend, what happens if my friend does not mention they have been referred when opening an account?

If your friend forget to indicate at account opening that they were referred, please have them visit their nearest branch or contact our Member Contact Center to add the promotion to their account. Use our Branch Locator to find your nearest branch or call our Member Contact Center at 1-888-4WESCOM (1-888-493-7266).

How will my friend know they have been referred by me?

Your friend will receive an email informing them they have been referred by you. The email will also include an overview of the promotion and how to earn each bonus.

To learn more, visit our Refer a Friend page.

If a member is currently a joint owner on an account, will they qualify for the Refer-a-Friend promotion if they open a Checking Account as the primary owner?

Yes, a member who is currently a joint owner on another account can open a Wescom Checking Account as a primary owner and take advantage of the Refer-Friend promotion.

What happens if I forget to provide a promotional code upon account opening?

If you did not mention or forgot to add a promotional code you received during the account opening process, please visit your nearest branch or contact our Member Contact Center to add the promotion to your account. Use our Branch Locator to find your nearest branch or call our Member Contact Center at 1-888-4WESCOM (1-888-493-7266).

How do I get a promo code?

Non-members would have received a promotion code from a target offer either digitally or through the mail.

What is Signature Membership?

Signature Membership is our way of rewarding you for your banking relationship with Wescom. To earn Signature Relationships, simply use Wescom for your financial needs. Your Signature Score will update monthly to reflect any increase in Signature Relationships by using Wescom products and services.

To learn more, visit our Signature Membership page.

Build your relationship with Wescom!

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

Your Signature Score will update monthly to reflect any increase in Signature Relationships 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
• Loans or Credit Cards
• Insurance and Wealth Management
• Student Relationship
  • Members age 18-25
• 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

What is a Signature Score?

The sum of all the relationship points earned by using Wescom products and services and determines your Signature Membership level.

How do I become a Signature Member?

A member must accumulate between five and seven relationship points at any time during a calendar year.

What are the benefits of Signature Membership?

As a Signature Member, banking with us adds up to fee waivers, rate discounts, and added bonuses. Earn five to seven Signature Relationship Points to enjoy:

• Five Non-Wescom ATM Fee Waivers*
• Closing cost rebate on new first mortgages**
• Check your monthly FICO^® Score^†

^* Signature Members earn five (5) Non-Wescom ATM Fee Waivers per calendar year. Non-CO-OP or Non-Wescom ATM operators and institutions may charge an ATM usage fee in addition to the fees charged by Wescom.

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.

How can I locate my Signature Score?

It's easy to keep track of your score. Your relationship points will be available:

• Through Online Banking
• In your Wescom statements
• Call the Member Service Center at 1-888-4WESCOM (1-888-493-7266)
• Stop by any Wescom branch

How do I qualify for a free Wescom Checking Account?

When you open a Wescom Checking Account, make sure to enroll in eStatements to qualify for a free checking account.

What is the difference between NSF fees and Overdraft fees?

NSF is when we return an item as unpaid due to insufficient available funds (including overdraft sources you have authorized). Overdraft, or at Wescom referred to as Courtesy Pay, is when we pay an item presented for payment against an insufficient available balance. It’s not a guaranteed overdraft line and terms do apply.

What's an NSF Fee?

An NSF Fee refers to when an item, such as a check or electronic debit, is presented for payment against your account when there’s insufficient funds available, and the item gets returned unpaid.

What is the New Member Period?

The first three full calendar months beginning on the date a member joins Wescom. Depending on when joined, this period can range from 90 to 120 days.

Does Wescom offer financial counseling?

Yes. Wescom members have access to GreenPath^™, a free, confidential financial counseling service that provides one-on-one financial counseling, debt management services, and financial education tools.

Click here to get started. 

What other financial resources does Wescom offer?

Please visit our Financial Education Center for more financial resources.

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

How do I make a mobile deposit?

Once you have enrolled in SnapDeposit^*, you can make a mobile deposit with the following steps:

1. Login to the Wescom Mobile Banking App
2. Select the Deposit icon at the bottom navigation menu
3. Tap on SnapDeposit
4. Tap Continue
5. Follow the instructions to take a picture of the front and back of the check
6. Enter the amount of the check if prompted
7. Submit for processing

^* 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.

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 is the daily mobile deposit limit?

The daily mobile deposit is based on a 30-day rolling limit, displayed when you access To find your mobile deposit limit:

• Login to the mobile app and tap on Deposit from the bottom navigation menu
• Select SnapDeposit
• The deposit limit displayed is your 30-day limit less any SnapDeposits made within the past 30 days.*

If you are making a large deposit, please refer to our Funds Availability Policy for information on when the funds will become available in your account.

* Terms and conditions apply. Deposit limits are subject to change without notice.

Trying to deposit a check beyond the limit?

We would love to help you out in person! Please visit one of our branch locations and one of our representatives will assist you with your deposit.

How do I add a new device to mobile banking?

To add a new device to mobile banking, simply download the Wescom Mobile Banking App to your mobile device. You can then sign in using your Online Banking username and password.

Download on the App^® Store or Google Play Store^™.

App Store is a service mark of Apple Inc.

Google Play is a trademark of Google LLC.

Is there a hold on the funds when I deposit a check through SnapDeposit?

Generally, deposits are made available for use immediately. However, in some cases, a hold may apply. 

What devices are currently supported for SnapDeposit?

Currently, we support the following devices for SnapDeposit:

• Android OS 9.0 or later
• iOS (iPhone/iPad) 16 or later

What is the cut-off time for a SnapDeposit submission?

You may deposit checks through SnapDeposit at any time. However, depending on the time of day and deposit amount, you may not see your deposit until the following business day.*

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

How can I set up fingerprint, face, or passcode access to the mobile app?

Follow the steps below:

1. Log in to the mobile app
2. Select the profile icon from the top right corner
3. Tap Login & Security
4. Tap Biometrics
5. Toggle the switch to Enable Biometrics

How do I transfer funds to and from other financial institutions in mobile banking?

Follow the steps below:

1. Log in to the mobile app
2. Tap Pay & Transfer from the bottom navigation menu
3. Select Manage Institutions
4. Select Add Institution
5. Enter the routing number of the other institution and tap Submit
6. Complete the required information
7. Tap Submit
8. You should see the financial institution immediately. If you do not, follow the steps below.
9. Within 2 - 3 business days, a small deposit and withdrawal ($1.00 or less) will be sent to the account at your other financial institution
10. Once the account is ready to be verified, login to the mobile app
11. Select Manage Institutions
12. Select Verify next to the account name
13. Enter the amount of the transaction to complete the verification process

You're ready to transfer!

How can I check my credit score in the mobile app?

To check your FICO^® credit score in the mobile app:

1. Log in to the mobile app
2. Tap FICO^® Score from the quick access bar on the main screen
   
3. If you have not opted in, follow the on-screen prompts to continue

How can I change my password in mobile banking?

Follow the steps below:

1. Log in to the mobile app
2. Tap the profile icon in the top left corner
3. Tap Login & Security
4. Select Password
5. Enter your current password
6. Enter your new password
7. Confirm your new password
8. Tap Confirm

How do I place a stop payment on a check in mobile banking?

Follow the steps below:

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 Place Stop Payment
6. Select the share account
7. Enter the Check number or select the Multiple Checks option
8. Select Submit

Do you offer mobile wallet?

Yes. We offer the following mobile wallet options for Wescom Financial credit and debit cards.

How do I add a card to my mobile wallet in mobile banking?

Follow the steps below:

1. Log in to the mobile app
2. Tap the profile icon in the top left corner
3. Tap Digital Wallet
4. Select the card you want to add
5. Follow the prompts to complete
6. Once completed, Added will display on the right side of your card number

How do I sign up for mobile banking?

To sign-up for mobile banking, simply download the mobile app to your phone and follow the on-screen prompts to log in for the first time! Here's how:

1. Download the mobile app from the App^® Store or Google Play store^™.
2. Once installed, open the mobile app.
3. Accept the Account Agreement Disclosure.
4. If you already have a User Name/Account Number or Password, enter it on the login screen.
5. If you have not setup your account for online access, tap on Enroll to setup access.

Apple and Apple Watch are registered trademarks of Apple Inc. App Store is a service mark of Apple Inc., registered in the U.S. and other countries and regions.

Google Play store is a trademark of Google LLC.

How do I get a copy of my statement in the Wescom Mobile Banking App?

Login to the Wescom Mobile Banking App and tap Statements from the Quick Access menu.

Do I have to log in to the Wescom Mobile Banking App to see my account balances and history?

No. Our mobile app offers Express View, which allows users to see their balances and history without entering their login credentials. To enable Express View, follow the instructions below:

1. Log in to the mobile app
2. Tap the profile icon in the top left corner
3. Select Settings
4. Tap Express View
5. Toggle the switch to Enable Express View

How do I make a payment using BillPayer?

Follow the steps below:

1. Log in to the mobile app
2. Tap Pay & Transfer from the bottom navigation menu
3. Select BillPayer
4. Select the Payees tab
5. Select Add Payee
6. Enter the Payee Name
7. Select Search
8. Enter a nickname for your payee (ex. Wescom Loan; ABC Bank Auto Loan) and Account Information and Confirm
9. Once your payee has been added, navigate back to the Schedule tab
10. In the From account, select the account you would like to pay from
11. In the Payee field, select your Payee
12. Enter the Bill Payment Amount
13. Type an optional Memo
14. Select the Withdraw Date to determine when the payment should be withdrawn
15. In the Frequency field, select how often the payment should be made
16. Select Confirm to review information before submitting payment
17. Tap Submit

How can I block or unblock my debit or credit card in the mobile app?

Follow the steps below:

1. Log in to the mobile app
2. Select the More icon from the bottom navigation menu
3. Tap Card Center
4. Select Temporary Block/Unblock

How can I check my available balance through the mobile app?

Login to the mobile app and immediately see your available account balances on the Accounts page.

How do I view mobile deposit check images?

You may view mobile SnapDeposit images in mobile history:

1. Tap on the Deposit icon from the bottom navigation menu
2. Select History
3. Tap on Deposit to view image

Do you allow security codes to be sent via text message?

Yes. Enroll your mobile device to access account information via text message with Online Banking or mobile.

Setting up text banking is a simple process:

1. Login to
2. Type in the New Account Name
3. Select Submit

Can I verify my transactions in mobile banking?

Yes! Log in to the Wescom Mobile Banking App and tap any of your accounts to see your transaction history.

If you are looking for a specific transaction, use the search bar.

How do I skip a payment through the mobile app?

Follow the steps below:

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. Select Skip A Payment
6. Select the loan payment you would like to skip
7. Read the disclosure
8. Check off I agree
9. Tap Submit

How do I edit account names in the mobile app?

Follow the steps below:

1. Log in to the mobile app
2. Tap More from the bottom navigation menu
3. Select Account Center
4. Select Change Account Description
5. Choose the account you'd like to rename
6. Type in the New Account Name
7. Select Submit

How can I view my Signature Relationship Points in the mobile app?

To view your Signature Relationship Points in the mobile app:

1. Log in to the mobile app
2. Tap the profile icon in the top right corner
3. Select Membership

From here, you can see your Signature Relationship Points and benefits.

How can I schedule an appointment in mobile banking?

Follow the steps below:

1. Log in to the mobile app
2. Select Book an Appointment
3. Tap Continue
4. Choose the date for your appointment
5. Tap Continue
6. Complete the prompts on-screen

How can I update my certificate maturity preferences in the mobile app?

Follow the steps below:

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 Change Maturity Options
6. Once you have adjusted your preferences, tap Submit

How can I submit a proxy in the mobile app?

To exercise your voting privileges, you will need to submit your proxy:

1. Log in to the mobile app
2. Tap the More icon from the bottom navigation menu
3. Select Account Center
4. Select Proxy
5. Check off I agree
6. Tap Submit

What is a TierPlus Money Market?

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.

What is an Asset Maximizer Account?

Wescom members who have a full-service Wescom Wealth Management account with $10,000 or more in assets can open an Asset Maximizer Account – a special money market account that earns a higher Annual Percentage Yield (APY) than a traditional money market account.

Visit our Asset Maximizer Account page for more information.

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.

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 types of Money Market accounts do you offer?

Wescom is proud to offer several options for members:

• TierPlus Money Market Account
• Asset Maximizer Account

What are the benefits of a Non-Asset Maximizer Account?

Members with a Non-Asset Maximizer Account enjoy these benefits:

• A higher rate than a traditional Tier Plus Money Market account
• Make deposits and withdrawals whenever you want as long as you maintain a minimum balance of $2,500
• Write up to six checks per month (six checks per month may clear)

To open your Non-Asset Maximizer Account, visit any Wescom branch or call us at 1-888-4WESCOM (1-888-493-7266).

Investment products and services offered through Wescom Wealth Management, LLC, a Registered SEC Investment Advisor, broker-dealer, and a wholly-owned subsidiary of Wescom Financial. Registered Representatives are employed by and registered through Wescom Wealth Management (Member FINRA/SIPC).

Investments are not NCUA/NCUSIF insured, not Credit Union guaranteed, and may lose value.

Wescom Wealth Management CA License# 0E36340.

What is a Mortgage Loan?

A mortgage is a loan to finance the purchase of your home. When you close on a mortgage, your home becomes collateral for the loan. You will be required to sign a legal contract stating that you promise to pay the debt, including interest and other costs, typically over the course of 15 to 30 years.

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.

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 can I view MyRewards Credit Card Rewards program?

Points can be viewed and redeemed from your Online Banking Dashboard!

Log in now.

How will I know what my MyRewards points balance is?

You will see your MyRewards Points balance when you sign in to Online Banking. On the MyRewards redemption website, you can register to receive a quarterly statement by email that will include your points balance.

Note: Your points balance will no longer show on your monthly credit card statement, but it will show on your monthly membership statement.

How do I enroll into the MyRewards Program?

You do not need to enroll. You will automatically be enrolled in the MyRewards Program.

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 Tax Forms/Statements from the Quick Access menu.

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 transfer funds to/from other Financial Institutions?

You can transfer funds to your account at another Financial Institution through Online Banking:

1. Click on Transfers
2. Click on Add Institution
3. Enter the routing number of the other institution and click Verify
4. Complete the required information
5. Click Submit
6. Within 2 - 3 business days, a small deposit and withdrawal ($1.00 or less) will be sent to the account at your other institution
7. Once the account is ready to be verified, click on Manage Accounts and click Verify next to the account name
8. Enter the amount of the transaction to complete the verification process

You're ready to transfer!

How do I change my Online Banking password?

You may change your online account access password via Online Banking or Mobile.

Remember to update your password on the mobile application and with any Internet service you have shared your password. Don't forget to also share this with other account holders.

If you know your current password:

• From Wescom.org provide your logon information.
• Once logged into Online Banking, click the hamburger menu on the top left-hand side of the screen
• Select Profile & Settings
• Click on Change Password
• Follow the instructions to set a new password

If you do not know your current password:

• Click here to reset your access
• Follow the instructions to reset your access including your new password

What do I do If I have been locked out of my Online Banking account access?

For security, your account is locked from access if there are too many invalid attempts to logon or answer a security prompt. Invalid attempts can be made by you, joint owners, from your mobile application or from Teller#Phone, our audio response unit. Aggregators such as Intuit, Mint and other internet services can also accidentally lock an account if the invalid password is provided or if the service is not authorized by Wescom to access your account.

To unlock your account and restore access follow these steps:

From Online Banking:

1. Click here to reset your account access
2. Provide the information required
3. Make sure to update other account holders or third-party sites with the new password

From the Wescom Mobile Banking App:

1. Click on Forgot Password from the login screen
2. Provide the information require
3. Make sure to update other account holders or third-party sites with the new password
4. Login to Online Banking to update the password if this is saved by your browser

How do I transfer funds to/from other Financial Institutions to an existing payee?

You can transfer funds to your account at another Financial Institution through Online Banking:

1. Click on Transfers
2. Complete the required fields in the Make a Transfer section
3. Click Submit

Your transfer has been set up!

How do I place a stop payment on a check in Online Banking?

Please follow the steps below to place a stop payment through Online Banking:

1. Log on to Online Banking
2. Click on Account Center
3. Click on Place Stop Payment

How do I make credit card payments online?

You can make a credit card payment online using our free Bill Pay service. You may also transfer funds from your checking or savings to your Wescom Visa^® Credit Card in the Transfers tab. Click on Transfer To/From Wescom Accounts.

Make a payment with Online Banking Billpayer now!

Follow the steps below:

1. Log on to Online Banking.
2. Hover over the Billpayer Tab
3. Click on Make a Payment
4. Select your credit card account from the dropdown. If you are paying a credit card payment to another institution or credit card company, create a payee
5. Select the appropriate Payee, Payment amount, Date, and Payment Schedule
6. Hit Submit

And that's it! You're done!

How do I sign up to receive eStatements?

You can sign up to receive eStatements through Online Banking. Click on Profile & Settings followed by Profile & Settings. Click on Paper Statement Preference and Opt Out of Paper Statements.

eStatements offer many benefits including:

• 24/7 online access
• Conserve paper
• Printable directly from your online application
• Free

How do I check my account balance in Online Banking?

You can view all of your balances in Online Banking. 

• If you haven't used Online Banking before, click here to enroll.
• If you are enrolled into Online Banking, click here to log in.

Once you're logged in, your balances and payment information for all of your Wescom accounts, loans, credit cards, mortgages, investments and insurance policies will display.

How do I sign in to Online Banking?

To sign in, access our login page. You will then need to enter your unique user ID and password. If you have not verified the device from which you are logging in, you may need to answer security questions which you established during the enrollment process.

To learn about Online Banking and its benefits, click here.

How do I set up automatic online bill payments?

You can set up automatic bill payments using the Bill Pay feature in Online Banking.

1. Log on to Online Banking.
2. Hover over the Billpayer Tab
3. Click on Make a Payment
4. Select the appropriate account from the dropdown
5. Select the appropriate Payee, Payment amount, Date, and Payment Schedule
6. Hit Submit

How do I view mobile deposit check images in Online Banking?

You may view mobile SnapDeposit images in Online Banking:

1. Log in to Online Banking
2. Click on History from the Account Info tab
3. Select the Share
4. Click on the view image icon to the right of the SnapDeposit Reference Number

Can I verify my transactions in Online Banking?

To confirm that your transactions were successful, view your account history in Online Banking.

You can view transactions from the past 12 months within Online Banking. If you need to verify a transaction prior to this time frame, please contact us.

How do I edit a Share name?

You can change the name of your Shares in Online Banking by following these steps:

1. Login to Online Banking
2. Click on the Account Center tab
3. Click Customize Account Description and select the Share you wish to change
4. Change the name and click Submit

How do I skip a payment through Online Banking?

To skip a payment, submit a request through Online Banking:

1. Log in to Online Banking
2. Click on Account Center
3. Click on Skip A Payment

How can I protect my password?

Wescom does everything we can to safeguard your password, but whether you're using an ATM, Teller#Phone, or Online Banking, you play an essential role in keeping your password safe.

Here are a few tips for keeping your password safe:

• Don't use easy-to-guess information such as your name, date of birth, telephone number, address, and so on.
• Where possible, use a combination of letters and numbers in your password. Those types of passwords are harder to guess. A good rule is not to use any word found in a dictionary. Also, don't use repeated or easily guessed numeric values (e.g., 1111 or 1234).
• Don't write your password down.
• Don't include your password in any file, including a word-processing document, web page or an electronic mail message. (If anyone else reveals a password to you, delete the information promptly.)
• Avoid using the same password on different systems. If an unauthorized user gets your password, he could gain access to every system on which you're using that password.
• Change your password regularly.
• Do not leave your computer unattended after you log in to Online Banking, and be sure to log out when you're finished.
• Do not save your password when logging in to Online Banking

Why am I being prompted to update my Online Banking password?

There are several reasons why you may be prompted to update your Online Banking Wescom Banking password including a routine update for security reasons, multiple incorrect login attempts, and more.

If you need assistance, please reach us at 1-888-493-7266 or visit a Branch.

How can I pay my loan online?

Please follow the steps below to make a loan payment online:

1. Log on to Online Banking.
2. Hover over the Billpayer Tab
3. Click on Make a Payment
4. Select the appropriate account from the dropdown
5. Select the appropriate Payee, Payment amount, Date, and Payment Schedule
6. Hit Submit

If you need further assistance, reach a service representative at 1-888-493-7266 for further assistance.

How do I register for Online Banking?

Follow the steps below:

• Visit wescom.org.
• Find the Online Banking login box in the upper left-hand corner.
• Click on Help/Options.
• Select New User.
• Follow the automatic prompts to complete the process.

For further assistance, reach us at 1-888-4WESCOM (1-888-493-7266).

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.

Are there any fees to apply for and obtain a Wescom Personal Loan?

With a personal loan from Wescom Financial, you don't have to worry about any application or origination fees!^*

While there are no fees to apply for a personal loan, you may be subject to late fees. For fees after your personal loan has been opened, please see our Schedule of Fees and Charges.

^*Membership eligibility is required. All loans are subject to approval. Terms and conditions apply.

Can I make extra payments or pay my loan off early?

Yes. With a Wescom Personal Loan, there is no pre-payment penalty if you decide to pay your loan off early, and you have the flexibility to make extra payments should you choose to.

What can a Wescom Personal Loan do?

A Wescom Personal Loan offers you the opportunity to borrow a sum of money without requiring any collateral, allowing you to utilize it at your discretion, and provides benefits such as fixed rates and terms to help fit inside your budget.

When will I receive my personal loan funds?

If an approval decision has been made and you have accepted the loan terms, funds will be available the same business day. Funds will be disbursed directly to your selected Wescom deposit account.

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.

How do I withdraw funds from my IRA?

To withdraw money from your IRA, stop by your local branch location.

Please note: Any funds withdrawn from an IRA before the age 59 1/2 may be subject to a penalty.

Visit the IRS Retirement Plan FAQ page for more information.

What happens to my IRA when I pass away?

IRAs are considered Payable on Death accounts which means you may name whoever you wish as your beneficiary to inherit the money upon your death. At that time, your beneficiaries will be notified, and funds will be distributed accordingly.

At any time prior to death, you may submit a form to update, add, or remove the beneficiaries listed on the account.

Visit the IRS Retirement Plan FAQ page for more information.

Do you offer safe deposit boxes?

At this time, we do not offer safe deposit boxes. However, membership at Wescom Financial provides a variety of other benefits and services!

Click here to check it out!

What is an IRA?

IRA stands for Individual Retirement Account. Depending on the IRA account you apply for, your contributions will be tax-free or tax-deferred to maximize your savings! These accounts are designed for long term saving.

or more information on IRAs, see Individual Retirement Accounts FAQs!

What is the penalty for early withdrawals from an IRA?

If you are below the age of 59 1/2, you will be required to pay an additional 10% tax on early withdrawals.

Further fees may apply. Please review our Schedule of Fees and Charges for more information on all account fees.

If you are 59 1/2 or older, you may withdraw funds without penalty.

Do you offer accounts for minors?

Yes! We offer the following accounts for minors:

• Youth Banking - Birth to 12
• Youth Banking Plus - 13 to 17

See our Minor Accounts page for more information.

Do you offer virtual appointments?

Yes, Wescom offers both in-branch and virtual appointments. Schedule yours today by visiting our Appointment Center.

What are my student loan payment options?

Wescom Private Student Loans have a 15-year repayment term.

Do I have to be a member to apply for a Wescom loan?

You don’t need to be a member to apply for a loan, but you’ll need to become a Wescom member for the loan to fund. If you are not currently a Wescom member, we’ll establish your membership during the application process by opening a Wescom Savings Account and depositing $1 into that account on your behalf.

The $1 into a Wescom Savings Account is a requirement of Wescom membership. Membership eligibility is required.

Do I need a co-signer to qualify?

No, it is not necessary to have a co-signer, but a co-signer option is available to help you qualify.

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.

What is the current interest rate for a savings account?

We're always trying to get you the best possible deposit rate, and therefore rates are subject to frequent change.

Wescom Financial offers a variety of savings account to fit all of our members' needs. Explore our options and find current savings rates on our Savings Account page or visit wescom.org/accounts/savings.

To view our current share certificate rates, visit wescom.org/accounts/certificates.

What are your current rates and fees?

Please see our Rates Page for information on our current loan and credit card rates. Review our Schedule of Fees and Charges for information on ATM, service, and account fees.

For your current credit card rate, please view your most recent statement. Rates are variable and subject to change.

What are the overdraft fees?

For our most up to date overdraft fee, please refer to our Schedule of Fees and Charges. Overdraft fees are charged to your account when you spend more money than you have in your available balance.

Why Opt in to Debit Card Overdraft Protection?

It's free! There's no fee to opt-in to the service and there's no fee if you don't use it. If you opt-in and we approve your transaction when you don't have sufficient funds in your account, a courtesy fee of $14 per transaction will be charged, with a limit of four fees per day, but you may not always have to pay. Signature Members receive one fee waiver per year, while Platinum Signature Members receive two fee waivers per year.

Opt-in today!

What is the fee for cashier's checks?

Our current cashier's check fee is listed in our Schedule of Fees and Charges.

Cashier's Checks are official checks issued by Wescom. The checks are written, guaranteed, and payable by the credit union.

Is there a fee to make a stop payment?

Yes! Our current stop payment fees are listed on our Schedule of Fees and Charges.

To place a stop payment, give us a call at 1-888-493-7266

Are there any ATM/Debit card fees?

Please see our Schedule of Fees and Charges for a current listing of fees.

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.

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.

What is an Add-On Share Certificate?

An Add-On Share Certificate works much the same as traditional certificates, with one exception: You can make additional deposits to the account during the term.

Add-on certificates give you the flexibility to make additional deposits to your account after opening. For example, you might open an Add-On Certificate with an initial deposit of $500. You might then choose to deposit $100 per month into the account for the remainder of the maturity term. Please note that Wescom offers an Add-On Certificate only during the promotional period.

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

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 at 1-888-4WESCOM (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.

What is an eStatement?

Statements provide a monthly record of debit and credit items. eStatements are simply online statements that can be viewed electronically. Typically, eStatements replace printed statements.

eStatements offer many benefits including:

• 24/7 online access
• Conserve paper
• Printable directly from your online application
• Free

To stop paper statements and enroll in eStatements or to request a copy of a previous statement, log into Online Banking, from the hamburger menu click on Profile & Settings, followed by Profile & Settings, and select Paper Statement Preference

How do I sign up for direct deposit?

Your employer is responsible for establishing direct deposit on your behalf. You will typically fill out a basic form requesting the following information, and they'll do the rest.

• Credit union routing number (322079353)
• Your checking account number
• A voided check to verify the routing & checking numbers
• The address of your financial institution:
  

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

Review our Funds Availability Policy for information on when your deposits will be available.

Do you offer a notary service?

Yes! We offer public notary services for Wescom members.

Notary service is free if we're notarizing a Wescom document (loan docs, etc). Otherwise, there is a $15 fee per signature. Platinum Signature members get 2 free per year and Signature members get 1 free per year.

Please bring a photo ID when you visit the branch for notary services. Click here to find your closest branch!

Does Wescom offer Direct Deposit?

Yes! With Wescom, it's easy to sign up for Direct Deposit of your paycheck, retirement check, government check, or other recurring deposit.

When will you send my tax forms?

We send out tax forms annually at the beginning of February. You will receive your tax forms by mail and you will also be able to access them in Online Banking Wescom Banking.

What is Teller#Phone?

Teller#Phone is our 24-hour telephone banking system. You can make a loan payment, transfer money between accounts, verify which checks have cleared, and more! With Teller#Phone, better banking is just a phone call away.

Call the Member Contact Center to get started at 1-888-4WESCOM (1-888-493-7266).

Can Wescom help me with financial planning?

Yes! Wescom is here to help you take control of your financial future! Speak with a Wescom Wealth Management Advisor to get information about financial planning.

We offer complimentary educational seminars with topics such as taxes, changing jobs, living trusts, investing, and home buying.

Additionally, you can visit our Financial Calculators. They will help you make sense of complex issues such as how much you can borrow, how much you should save for retirement, or if you can afford to buy that new car.

Can I get a copy of my credit report?

You can check your own credit score for free once annually by visiting www.annualcreditreport.com.

Your credit score is an important part of your financial health, and we encourage members to review their credit report regularly. Here's what you should look for and what it means to your credit:

• Accuracy - Review the entire report for general accuracy. If you see any accounts that you didn't open or any errors with existing accounts, you should contact the credit bureau to initiate the process to correct them.
• Inquiries - Your credit report will show who has been accessing your credit report.

Can Wescom help me with self-directed trading?

Yes! If you are an investor who wants to make your own investment decisions, Wescom Wealth Management is here to help you invest in stocks, options, and mutual funds, through our broker-dealer CUSO Financial Services (CFS).

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CUSO Financial")(“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. The Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members.

eVISION^® is a trademark of CUSO Financial Services, L.P.

Wescom Wealth Management CA Insurance License #0E36340.

Why did I receive a call from Fraud Prevention Center?

You may have received a call from our fraud prevention center due to suspicious activity on your card. If they suspect your card security has been breached, they may suspend the usage of your card until you validate the questionable purchases. Contact us now!

How do I sign loan documents? Do I need to come into a branch to sign them?

Loan documents can be signed electronically through DocuSign. You do not need to come into a branch to sign.

However, if you'd like to sign at one of our branches, that option is available too. You can also schedule an appointment.

Where can I schedule an appointment?

You can schedule an appointment at any one of our 30 branch locations throughout California. We also offer virtual and telephonic appointments through our UCLA branch.

How can I open a Wescom account?

Click here to open an account online today. You can also visit us at any Wescom branch to open your account or call us at 1-888-4WESCOM (1-888-893-7266)

Can I open an account if I don't live in California?

If you are a UCLA alumnus who does not live in California, you can still open an account. All other new members must live, work, worship, or attend school in one of the following 21 California counties: Los Angeles, Orange, San Bernardino, Riverside, San Diego, Santa Barbara, Ventura, Imperial, Fresno, Kern, Kings, Madera, Merced, Mariposa, Monterey, San Benito, San Joaquin, San Luis Obispo, Santa Cruz, Stanislaus, and Tulare. Membership eligibility is required.

As a UCLA international student and scholar, how can I open a Wescom account?

Email uclabranch@wescom.org to open an account today. You can also visit us at any Wescom branch to open your account or, to learn more, call us at 1-888-4WESCOM (1-888-893-7266).

What internet browser can I use to complete my application?

Internet Explorer is not supported. Please use the latest version of Google Chrome (84 or later), Mozilla Firefox (78 or later), Safari (14 or later), or Edge (84 or later) to complete your application.

How will Wescom contact me about my Technology Loan application status?

Wescom will either call you at the number you provided in the application or email you at the email address you provided during the application process.

Do I need to submit my purchase order to Wescom?

No. The UCLA Computer Store will send your purchase order to Wescom.

What do I need to apply for the Technology Loan?

You'll need a source of income and will need to answer a few basic questions listed on the loan application.

Who can apply for the Wescom Technology Loan?

A Wescom Technology Loan is only available for UCLA Students, Faculty, Staff, and Alumni for purchases through the UCLA computer store.

How do I apply for a Wescom Technology Loan?

You can apply online here or call us at 1-888-4WESCOM (1-888-893-7266)

When will I know if I'm approved for a Technology Loan?

Wescom will notify you within one business day of your application status.

Can I submit my purchase order if I used my own money to pay for the technology purchase from the UCLA Computer Store?

You have 30 days from the purchase date to provide your purchase order to a Wescom Representative assisting with your loan once you have been approved.

What if the total amount for my technology purchase exceeds my approved Technology Loan amount?

If your Wescom Technology loan amount is less than your technology purchase, you will be required to pay the remaining difference in full.

For example, if your approved loan amount is $1,500 and your total purchase amount is $2,000, then you will be required to pay the additional $500 at the time of purchase.

My purchase order was less than my approved amount. Can I use the remaining funds for non-technology items?

No. Funds are to be used for the exact amount of the technology purchase order.

When do I get my computer?

As soon as Wescom receives the purchase order or quote for the UCLA Computer Store, we’ll fund the account, and notify the store to ship the items to you. This will take anywhere from three to five business days.

What items can be purchased using the Wescom Technology Loan?

You can use the loan for a wide variety of technology needs, both personal and educational. Examples of qualifying items are hardware (computer and/or laptop), iPad^®, Apple Watch^®, software, and other technology-related accessories. 

iPad^® and Apple Watch^® are registered trademarks of Apple Inc.

Where can I use the Wescom Technology Loan?

The Wescom Technology Loan is only valid for purchases at the UCLA Computer Store and can only be used for computer, hardware, software, and other computer-related accessory purchases.

I am an extension student at UCLA. Can I apply for a Wescom Technology Loan?

Yes. A Wescom Technology Loan is a benefit to our UCLA community and, as an extension student, you are eligible to apply for the Wescom Technology Loan.

Will the UCLA Computer Store be notified of my Technology Loan approval?

No. Wescom will notify you of your loan approval and provide you with an approval letter, so that you can notify the store that you will be using a Wescom Technology Loan to complete your purchase. Once your loan has funded, we will notify the UCLA Computer Store to complete the transaction so they can directly ship your order to you.

What do I do once my Wescom Technology Loan is approved?

Contact the UCLA Computer Store at 1-310-825-6952 to select your technology items. Happy shopping!

Can I use the Wescom Technology Loan to purchase a computer and related items from somewhere other than the UCLA Computer Store?

No. Funds from the Wescom Technology Loan can only be used for computer and technology related items from the UCLA Computer Store only.

Can I have multiple Wescom Technology Loans?

No, you can only have one Technology Loan at a time.

Do I need to be a member to apply for a Wescom Technology Loan?

You don't need to be a member to apply for the loan, but you'll need to become a Wescom member before the loan funds. If you are not currently a Wescom member, we will establish your membership during the application process by opening a Wescom Savings Account and depositing $1 into that account on your behalf. The $1 into a Wescom Savings Account is a requirement of Wescom membership. Membership eligibility is required.

I am a retired UCLA Faculty or Staff member. Can I apply for a Wescom Technology Loan?

Yes. A Wescom Technology Loan is a benefit to our UCLA community and as a retired UCLA faculty or staff member, you are eligible to apply for the Wescom Technology Loan.

Do I need to have a computer or technology item selected from the store before applying for the Wescom Technology Loan?

Not necessarily, although it does help to have a general idea of what you're looking to purchase. Once your application is approved, you can complete your selection at the UCLA Computer Store.

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.

Why can't I see my investment balance information or why is it not current?

Although we are diligently working through this gradual data migration with LPL, some investment account(s) may still be in transition, and therefore, may not have updated balance information or access to the Account View investment platform through online and mobile banking.

To determine if the migration of an investment has been completed, login to online or mobile banking and check the investment balance date. If the investment balance date was updated after May 16, 2025, then that individual investment has transitioned, and the Account View investment platform can be accessed by clicking on that investment. If you have multiple investments accounts, please be aware that not all investments may be available at the same time as this transition is by carrier and can take some time for all investments to be reflected.

If you have questions regarding your balances, please call your Financial Advisor directly at 1-888-879-0558

I see LPL/account view has an app. Will I be able to access my account directly through their app?

No. Primary access to your investment account will be available through Wescom Financial's online and mobile banking app once your investment has fully transitioned to LPL Financial. If the investment balance date was updated after May 16, 2025, then that individual investment has transitioned, and the Account View investment platform can be accessed by clicking on that investment. If you have multiple investments accounts, please be aware that not all investments may be available at the same time as this transition is by carrier and can take some time for all investments to be reflected. If you have questions regarding your balances, please call your Financial Advisor directly at 1-888-879-0558

Upon first sign on, you will be required to view the full disclosure by scrolling down the page, accept the LPL Financial Terms of Use acknowledgment box, provide the last four digits of the investment account's primary Social Security Number where prompted, and tap or click on Accept. You will not have to take this step in the future once it's set up. If you are unable to access your account, please contact your Financial Advisor.

Will I be able to access my investment accounts online?

Yes, you will be able to continue to use Wescom Financial's online and mobile banking to view and access your investment accounts.

Will I still get my statements on a monthly/quarterly basis?

Yes. You can choose to receive your investment statements via email or electronically. Beginning in June, your Wescom member statement will no longer show your investments balances. You will still receive any investment statements directly from your carrier or investment provider. Additionally, once your investment accounts have fully transitioned to LPL Financial, you can view your LPL Investment statement through the Account View investment platform.

Why did CUSO Financial Services transition to LPL Financial?

Atria Wealth Solutions is the parent company of our current broker-dealer, CUSO Financial Services, which we have utilized for the past 25 years. Atria has agreed to be acquired by LPL Financial LLC (LPL), a leader in the wealth management industry. As of May 16, 2025, Wescom Financial Wealth Management transitioned our broker-dealer and clearing firm to LPL Financial (LLC). This new partnership is a deliberate move to bolster our capabilities and ensure we continue to meet your needs with even greater financial solutions, resources, and services. This change will allow us to provide you with additional tools, streamlined processes and an expanded array of resources while maintaining the personalized service you have come to trust.

We chose LPL Financial based on the following considerations:

• Advance Technology: A more intuitive member portal, enhanced reporting capabilities, faster transaction processing and greater insight and control over your financial journey.
• Broader Investment Options: An expanded array of investment solutions tailored to your unique financial goals and preferences.
• Comprehensive Resources and Account Management: Access to advanced planning tools to better align your portfolio with your personal and financial objectives, in addition to, improved efficiency, portfolio insights and industry expertise. 

Who should I contact if I need assistance with my investments during this transition?

For any questions or concerns, please continue to contact your financial advisor, or call our support team at 1-888-879-0558 or visit wescom.org/lpl-conversion for additional information and frequently asked questions regarding this conversion.

How do I access my previous statements or tax documents?

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

Who should I contact if I have questions or concerns during this transition?

Your advisor is your primary contact for any questions or concerns you may have during this transition. Please continue to reach out to your Financial Advisor or our Wealth Management Team at 1-888-879-0558

They will be reaching out to you in the coming weeks to provide you with more clarity on how these changes will serve to enhance the quality and scope of services we provide you with.

Will my fees increase because of this change?

For most brokerage relationships, the fee structures will be similar. For most advisory accounts, the fee schedules will stay the same. Your advisor will provide specific information on any applicable fees as the transition date approaches.

Will I need to choose different investments because of this change?

In most instances, your investments, allocations, and models will remain the same. If changes are necessary, your advisor will discuss suitable alternatives with you.

Can I continue to receive ACH or electronic transfers to my bank account? What about setting up a new ACH transfer to my bank account?

Existing transfers set up prior to May 5 from your investment to your bank account will continue, however there will be an interruption between 05/15/2025 and 05/23/2025. On May 19^th, if you need to set up ACH, you can begin by using the instructions below. You will also need your LPL account number.  

ACH
Bank of New York
ABA# 021000018
Credit to account: 146000000 + LPL Account #
(ex. 14600000012345678) 

Will I continue to receive my monthly distributions?

Yes. Your advisor will ensure that your existing distribution strategies are maintained on the new LPL platform. For many brokerage relationships directly with a mutual fund or annuity company, the impact is minimal. The primary change is the broker/dealer of record, transitioning from CUSO Financial Services, L.P., to LPL Financial, which is mainly an operational adjustment. As a result, your investment statements will remain similar to their current format.

Why is Wescom Financial Services (WFS) changing its name to Wescom Financial Wealth Management?

To better align with our vision and the comprehensive financial solutions we provide, our Wescom Financial Services (WFS) division will now be called Wescom Financial Wealth Management. This new name reflects our dedication to helping you grow, manage, and protect your wealth more effectively through all stages of life.

Will my investments remain the same?

Yes. For most members, the investments, asset allocation models, and money managers will remain unchanged. If an investment or account cannot be transferred, your advisor will discuss alternative options with you.

How do I access the Account View Investment Platform?

Once your investment account has fully transitioned to LPL, you can access the Account View investment platform through Wescom’s online or mobile banking app. To determine if one or more investments has transitioned and is ready to be accessed through SSO:  

• Login to Wescom’s online or mobile banking
• Scroll to the balance information for the investment you would like to access nd check the as of date. If an investment balance’s as of date has updated after May 16, 2025, then that individual investment has transitioned and can be accessed by clicking on that investment.  
• To access the Account View investment platform, simply click on your investment account balance located through Wescom Online or Mobile Banking app. To determine if your account(s) are available, please review the date under your balance. If the balance still reflects a May 16, 2025, date, then the account is still in transition.
• If your investments are available, you will be required to view the full disclosure by scrolling down the page, providing the last four digits of the investment account’s primary Social Security Number where prompted, and tap or on Accept upon first sign on. If you are unable to access your account or are missing options such Trade Direct (for self-directed trading accounts), please contact your Financial Advisor at 1-888-879-0558

Will my advisor change?

No. Your relationship with your existing financial advisor will stay exactly as it is today. You will continue to work directly with them for all your financial planning and investment needs. In the event of a change, you will be notified directly.

Can I continue to transfer from my Bank account to my investment?

Yes, however there are new instructions on sending the funds over. Please update any set-ups you may have with other financial institutions. Your Wescom account will automatically have this function enabled for you via the Mobile App or Online Banking. Simply click on Transfers, select your Wescom Account to transfer from and the Investment account to transfer to.

Why am I seeing duplicate account balances or incorrect amounts for my investments?

Although we are diligently working through this gradual data migration with LPL, some investment account(s) may still be in transition, and therefore, may not have updated balance information or access to the Account View investment platform through online and mobile banking.

To determine if the migration of an investment has been completed, login to online or mobile banking and check the investment balance date. If the investment balance date was updated after May 16, 2025, then that individual investment has transitioned, and the Account View investment platform can be accessed by clicking on that investment. If you have multiple investments accounts, please be aware that not all investments may be available at the same time as this transition is by carrier and can take some time for all investments to be reflected. If you have questions regarding your balances, please call your Financial Advisor directly at 1-888-879-0558

How can I stay informed of this change?

Throughout the month of April 2025, Wescom Financial will be hosting a series of educational webinars for all of our Wealth Management members to provide you with important updates regarding the upcoming conversion.

What type of accounts may be delayed in populating in Account View?

Accounts custodied at LPL will be available the week of conversion; however, direct business accounts are dependent on the processing times of each sponsor/custodian. Typically, the data feed linkage can take as long as 10-14 weeks post-conversion.

Can I access my accounts directly?

You will be able to access your custodied (excluding direct business) accounts as soon as May 20, 2025 by creating a profile and directly logging into LPL’s Account View system. If your accounts(s) are still showing in transition, you won’t be able to login directly. Please reach out to your Financial Advisor if you have questions regarding your account(s).

I can't access Account View through the Single Sign On Process in Wescom Financial online or mobile banking?

The account view link in Wescom Financial online and mobile banking will be available starting on Friday May 23rd. After this date if you still cannot access account view, please contact your Financial Advisor at 1-888-879-0558

Will my fees change once I move to LPL?

For existing advisory accounts moving to LPL, the overall advisory fee to the member will be the same as the current advisory fee. The Brokerage Fee Schedule will be provided in a future mailing you will receive and will apply to all brokerage accounts.

I received multiple packets in the mail from CUSO Financial Services. Why am I receiving these?

The packets you received are required legal notices regarding the transition from CUSO Financial Services to LPL Financial. If you hold multiple investment accounts, you may receive a packet for each account, as each account must be notified individually. No action is required if you wish to continue with your Financial Advisor at Wescom Financial.

Can I still view my balance on my Wescom Financial member account statement?

No, beginning June 1st, investment balances will no longer be reflected on your Wescom Financial member statements. You will continue to receive your separate investment account statements, which will be available in the Account View investment platform. You will be directed on your Wescom Financial statement to where to view your investment balances. For historical statements or tax documents, please contact your Financial Advisor.

If my accounts move, will there be tax implications?

There should be no tax implications with the movement of accounts. Your accounts will be transferred to comparable products at LPL. However, we would recommend you consult your tax professional for further information.

Can I still use the NETXInvestor app?

No. As of May 16, 2025, the NETXInvestor app will no longer be operational, and the links on wescomwealth.org to EVISION and CLEAR1 will be removed.

I have a self-directed account but have been assigned a Financial Advisor. Can I still make self-directed trades?

Yes, you will still be able to place self-directed trades on your own. After this transition, our self-directed trading platform will move to Trade Direct. Trade Direct can be accessed through the Account View investment platform starting May 23, or by directly calling Trade Direct at 1-800-558-7567 or 1-855-575-9656 8 a.m. to 6 p.m. ET, Monday through Friday starting May 19. Self-directed trades will continue to have a fee of $14.95; however a $5 confirmation fee will also apply.

When will my accounts transfer to LPL?

LPL will receive assets on May 17th, 2025. Please note you will be able to continue to conduct all of your business with your Financial Advisor during this entire timeframe.

What happens if I have a self-directed investment account?

We will be enhancing your service experience by assigning you a Financial Advisor to serve as an additional resource beginning May 16, 2025. However, you will still be able to place self-directed trades on your own. An introduction to your new Financial Advisor will be mailed to you in the coming weeks.

Is my money safe?

LPL has the same regulatory and protection requirements as we do. LPL is a Financial Industry Regulatory Authority (FINRA) member firm, subject to federal securities laws and the rules of industry self-regulatory organizations. LPL is a member of the Securities Investor Protection Corporation (SIPC) which provides account protection up to $500,000 per member, of which $250,000 may be claims for cash. An explanatory brochure is available at www.sipc.org. LPL purchases $1 billion of excess SIPC insurance that provides additional protection for LPL accounts to cover aggregate net equity (of all member accounts), subject to conditions and limitations. The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities members, but it does not protect against losses from the rise and fall in the market value of investments.

Who is LPL Financial (LLC)?

LPL Financial is a leading wealth management company and the largest independent broker-dealer in the U.S. They provide services and support to financial advisors and institutions, enabling them to assist their clients in achieving their financial goals. LPL's mission is to enable advisors to build successful practices by providing them with the necessary resources and tools.

Why did I receive a statement from Pershing with a $0 balance?

Members with a Pershing or self-directed account will receive a closing statement with a $0 balance. This is to show the account has been transitioned to LPL and the account has been closed at the previous provider. If your statement still shows a balance, please contact your Financial Advisor directly at 1-888-879-0558 and they will assist you in closing out this account.

If my accounts move, will my investments change?

Your fundamental investment strategy and allocations will remain the same for the most part. In some cases, LPL may have advanced investment options that we can discuss after your accounts move.

Will your move to LPL cost me anything?

There is no cost whatsoever to you.

My household has multiple investment accounts. Will these all automatically display in Account View?

No. Only investments accounts that match the Social Security Number of the primary Wescom Financial accountholder will automatically display. To combine access of additional investment accounts into a household view, please contact your Financial Advisor.

My investment account shows an updated balance after May 16, 2025, but I can't access Account View through Wescom Financial's online or mobile banking?

If you receive an error accessing your investment details through online or mobile banking on accounts with an updated balance as of or after May 16,2025, please contact your Financial Advisor at 1-888-879-0558

Why is Wescom updating its name?

We are updating our name to Wescom Financial to better represent our full range of financial services that extend beyond traditional credit union offerings. We want to grow within our communities so more people can bank better and have access to better rates, better digital tools, and all the products and services you expect for a bank - but better.

While we are updating our name, our commitment to our core values and principles that have defined Wescom Credit Union for years remains the same. We are not changing who we are – we are changing how we describe ourselves to better align with the full-range of products and services that we already offer. We are still a credit union, and we’re still guided by the same principles and core values that have distinguished us as one of the nation’s leading credit unions.

Will my account number, passwords, or card numbers change?

No. While we’ve updated our name to Wescom Financial, your accounts and the ways you log in to mobile or online banking will remain exactly the same. There will be no changes to your account details or access methods, so you can continue banking as usual.

When is the update happening?

The transition to Wescom Financial officially begins on March 17, 2025 and will be phased throughout the year.

Will the website change?

No. Our primary website will remain wescom.org.

What types of Youth Accounts do you offer?

At Wescom, we offer several goal-oriented savings programs to meet your financial needs. Youth Accounts are assigned by the member's age.

• Wescom Youth Banking (ages 0-12)
• Wescom Youth Banking Plus (ages 13 to 17)

Learn more about the account features and benefits.

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 (1-888-493-7266) 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 (1-888-493-7266) 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 (1-888-493-7266).

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.