Account conversion process

The account conversion process will integrate all Western Heritage accounts and services into Nusenda Credit Union's banking systems. 

Member Numbers & Account Numbers

Good news: You will retain your Western Heritage account number! ACH and electronic transactions that use your current account number and routing number should post to your account as usual.

As a new member of Nusenda, you will also be assigned a member number. A member number is a unique number assigned to each credit union member. This number serves as an identification number that helps us quickly locate your member profile and accounts. A member profile can contain multiple accounts and loans within it, each identified on your statement and within Mobile and Internet banking with a unique account suffix. The account suffix is assigned sequentially and added to your member number. The suffix is used to distinguish different types of accounts under one membership. Your member number is being sent to you in a separate letter; please keep it for future reference.

Checklist Item

A new member number will be mailed to you. If you have not received your member number by August 19, please visit a branch or call us at 505-889-7755, option 8.

Direct Deposit, Automatic Payments/Withdrawals, ACH

Your Western Heritage account and routing numbers will be valid for the foreseeable future. You do not need to change anything related to your direct deposit, ACH or automatic transactions; these will post to your account as usual.

How to find your account number

To locate your full account number in Nusenda's Mobile and Internet Banking, follow these easy steps:

  • Download the Nusenda Mobile Banking App
  • Log into Mobile and Internet Banking
  • Click on your account name tile, then click the details and Settings tab
  • Your account number is listed under Account Number for Direct Deposit


Statements will now include all accounts assigned to your membership number instead of one statement per account. Statement cutoff periods will fall at the end of the month or the 15th; please see the table below for new statement dates.

Western Heritage Statement DateNusenda Statement Date
1st of the month1st of the month
15th of the month15th of the month
25th or 31st of the month1st of the month

Please note that for members who typically have their statements sent on the 1st, two statements will be issued in the month of August. You will receive one from Western Heritage covering activity up through August 16, and another statement from Nusenda for the rest of August.

Online Statements (eStatements):

Log into Nusenda Mobile and Internet Banking and select the eStatements menu item to view your historical statements. If you currently receive electronic statements, you will be automatically enrolled for Nusenda eStatements after August 19. If you need to enroll post-conversion, you can do so in Mobile and Internet Banking.

To opt in:

  • Log into Mobile and Internet Banking
  • Click the eStatements menu item, then choose Nusenda eStatements
  • Review and accept the online statement enrollment agreement

Real-Time vs. Batch processing times

Rather than using batch processing, which posts all items to your account at the close of business, Nusenda’s core banking systems use real-time processing, meaning most transaction items (checks, electronic payments/withdrawals, debit card transactions, etc.) will post to your account at the time of payment throughout the business day. Real-time processing is convenient as it provides a more accurate representation of your available funds any time you check your balance. For businesses, we recommend tracking all transactions and balances via your bookkeeping software. We understand that it can take time to adjust to these changes, and we are here to help in any way we can. If you run into issues and need assistance, please contact us.

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Contact us

505-889-7755, option 8 or you can visit us at one of our locations.

Monday – Friday: 7:30 a.m. – 6 p.m.
Saturday: 8 a.m. – 3 p.m.