New User Registration:
It's easy to sign up for WESTconsin Online, to enjoy the benefits of free online banking, free bill payment and free eDocuments!
- In the Username box, enter your WESTconsin member number (with no suffixes).
- In the Password box, enter your four-digit CALL-24 PIN (not your debit card PIN). If you do not have a CALL-24 PIN, please contact your local WESTconsin Credit Union office or (800) 924-0022 to obtain one.
For security reasons, after the initial login, you will be required to change your Username and Password.
If you need assistance, please call (800) 924-0022.
Browser Compatibility:
WESTconsin Online is compatible with Internet Explorer 11, Mozilla Firefox, Google Chrome and Safari 9.
Membership Value Pricing®
At WESTconsin, You're Always MVP!
Our Membership Value Pricing® (MVP) is the cherry on top of an already great membership. MVP® is much like an airline frequent flyer program or other frequent buyer club—the more services you use with us, the greater your rewards!
To qualify for MVP
- Maintain an active WESTconsin Credit Union checking account with a minimum of five posted transactions per month, excluding dividend postings, fee assessments or reversals, and backup withholdings.
- Maintain a minimum average monthly household loan and/or deposit balance.
MVP Levels
- Basic MVP—No qualifications. If you’re a member, you’re Basic MVP!
- Silver MVP—Combined Household Monthly Average Balance (deposits and/or loans*) exceeds $15,000.
- Gold MVP—Combined Household Monthly Average Balance (deposits and/or loans*) exceeds $30,000 OR a current first mortgage loan (with a balance) through WESTconsin Credit Union.
| Benefits | Basic MVP | Silver MVP | Gold MVP |
|---|---|---|---|
| Preferred Checking Monthly Fee | $7 | $4 | FREE |
| Debit Card ATM Transactions/Inquiries* WESTconsin-owned ATMs = FREE unlimited transactions Non-WESTconsin ATMs = four (4) free per month (Surcharges may apply from ATM owner) |
$1.25 | $0.75 | FREE |
| Money Orders and Corporate Checks | $3 | $1.50 | FREE |
| Loan Annual Percentage Rate (APR) Discount on New Personal Loans Remains through loan period |
No Discount | .25% Discount | .50% Discount |
| Safe Deposit Boxes | No Discount | 25% Discount | 50% Discount |
| Visa Credit Card APR Discount | No Discount | .25% Discount | .50% Discount |
| Bonus Certificate Dividend Rate Remains through certificate period |
No Additional Dividend Rate | .15% Additional | .35% Additional |
| Real Estate Closing Cost Discount | No Discount | $50 Discount | $100 Discount |
*Member transactions/inquiries via ATM from their eSmart Checking will not be assessed an ATM fee by WESTconsin; if using non-WESTconsin ATM, surcharges may apply from ATM owner.
How MVP® Works
MVP status is determined at the end of each month by reviewing your balances and services. Based on this review, you’ll receive the perks of Basic, Silver, or Gold status until your MVP level is reassessed at the end of the next month. Since MVP status is calculated monthly, you may move between levels from month to month, and applicable charges may adjust accordingly.
Life happens—we get it. That’s why outstanding negative account balances no longer disqualify you from MVP eligibility. Additionally, any loan that is 31 days or more past due during a given month will not be included in that month’s qualifying calculations.
Please note: MVP status only applies to personal accounts; business accounts are not eligible.
Gift Card and Fee Changes Effective January 1, 2025
- To simplify and enhance our services to you, Visa gift cards will no longer be available for purchase. Don’t worry—any previously purchased gift cards will continue to work as usual.
- Non-Sufficient Funds (NSF) and Overdraft fees for consumer accounts will no longer be included in the MVP Program; all accounts will be charged a $30 NSF/Overdraft fee per item presentment. We are also implementing two new enhancements that will waive NSF/Overdraft fees when specific criteria has been met.
- The maximum daily fee limit will be five (5) NSF and Overdraft fees charged per each checking and/or savings account per day.
- No fee will be charged if your available account balance is overdrawn by $10 or less when the transaction posts.
- Helpful Tip | Your available account balance is your current account balance minus any pending withdrawal items, any authorized transactions not posted, and any holds placed on deposited funds.
Helpful Tip | Link Your Household Accounts
Linking accounts with immediate family members who live at the same address, such as spouse, parents, children, and stepchildren, can help qualify you for a Silver or Gold MVP status! Linking households for MVP status will not automatically grant account joint ownership on the accounts, it is strictly to help you get the best MVP status possible. Call us at (800) 924-0022 to see if linking accounts is beneficial for you!
*Guaranteed student loan balances not included.