Account Transition

Important changes to your accounts and services

Although your account number(s) will remain the same, you will notice some changes to your account names, features, and benefits.

Personal Savings, Checking, and Money Market Accounts

Current Account Name	New Account Name	Account Features*/ Changes
Regular, Western Heritage, and Special Savings	Non-Transaction Share	No monthly service fee, eligible for dividends on balances over $100, no limit on withdrawal/ deposits, can be used as overdraft protection
Free and Regular Checking	Essential Personal Checking	Community Rewards, monthly fee waived with eStatements or $250 relationship balance
Liberty Checking	Dividend Checking	Community Rewards, one free box of Nusenda custom checks a year, no fee Visa^® gift cards, 10 refunds of foreign ATM transactions, balances may earn dividends
Freedom and Platinum Money Market	Money Market*	$1,000 to open, $2,500 minimum balance to avoid service fee, unlimited withdrawal/ deposits, overdraft protection

*Check our rates and fees page for full account details and regular updates on APY

Current Account Name	New Account Name	Account Features*/ Changes
Regular, Western Heritage, and Special Savings	Non-Transaction Share	No monthly service fee, eligible for dividends on balances over $100, no limit on withdrawal/ deposits, can be used as overdraft protection
Free and Regular Checking	Essential Personal Checking	Community Rewards, monthly fee waived with eStatements or $250 relationship balance
Liberty Checking	Dividend Checking	Community Rewards, one free box of Nusenda custom checks a year, no fee Visa^® gift cards, 10 refunds of foreign ATM transactions, balances may earn dividends
Freedom and Platinum Money Market	Money Market*	$1,000 to open, $2,500 minimum balance to avoid service fee, unlimited withdrawal/ deposits, overdraft protection

*Check our rates and fees page for full account details and regular updates on APY

Debit Cards

Your debit card has been mailed. If you have not received a new card, please contact us at 505-889-7755, option 8. You will receive your PIN in a separate mailer. Upon receipt, please activate your card immediately. Remember to update any automatic payments or preauthorized payments associated with your old card’s expiration dates and security codes with your new card’s information.

Checklist Item

When you receive your debit card, activate your card immediately. For automatic and recurring payments, update your information with your new card's details.

ATM Cash and Check Deposit

With your new Nusenda debit card, you can make a cash or check deposit at select CU Anytime or CO-OP Network machines*. Use the ATM locator to find the location closest to you.

*Please note that not all CU Anytime or CO-OP Network machines accept deposits. The ATM locator can help you find machines that accept deposits.

Checks

Business and personal checks branded with the Western Heritage logo can continue to be used after the account conversion. For instructions on how to order checks view our FAQs.

Overdraft Protection/ Courtesy Pay

If you already have Overdraft Protection established, it was converted with your account. If you don’t, you can apply for a personal line of credit, or opt to use your savings account to cover a checking account overdraft. Qualified members can also use Courtesy Pay, which allows Nusenda to cover insufficient fund items on debit card purchases, point-of-sale transactions (POS) transactions, ATM withdrawals, and check and ACH transactions up to $500.

Checklist Item

Review the Overdraft Protection options above and determine which services you would like to use for your account(s).

Business Checking Accounts

Current Account Name	New Account Name	Dividends/Interest	Account Features*/ Changes
Business Analysis	Commercial Dividend Checking	Yes	$125 monthly fee, offset with dividends on balances, includes ACH, Online wire, Positive Pay, and Remote Deposit services** and access to the advanced reporting and user management features of our Mobile and Internet Banking platform. Includes 250 cleared checks, 250 electronic items, and 20 branch visits at no charge each month.
Basic Business Checking	Emerge Business Checking Account	Yes	$25 monthly fee, offset with dividends on balances, includes ACH services** and access to user management features of our Mobile and Internet Banking platform. Additional Treasury Services can be added to the account. Includes 100 cleared checks, 200 electronic items, and 10 branch visits at no charge each month.
Business Free/ Non-Profit Business	Impact Business Checking	No	No monthly fees or balance requirements for our basic business account. Includes access to user management features of our Mobile and Internet Banking platform and 10 branch visits at no charge each month.

Current Account Name	New Account Name	Dividends/Interest	Account Features*/ Changes
Business Analysis	Commercial Dividend Checking	Yes	$125 monthly fee, offset with dividends on balances, includes ACH, Online wire, Positive Pay, and Remote Deposit services** and access to the advanced reporting and user management features of our Mobile and Internet Banking platform. Includes 250 cleared checks, 250 electronic items, and 20 branch visits at no charge each month.
Basic Business Checking	Emerge Business Checking Account	Yes	$25 monthly fee, offset with dividends on balances, includes ACH services** and access to user management features of our Mobile and Internet Banking platform. Additional Treasury Services can be added to the account. Includes 100 cleared checks, 200 electronic items, and 10 branch visits at no charge each month.
Business Free/ Non-Profit Business	Impact Business Checking	No	No monthly fees or balance requirements for our basic business account. Includes access to user management features of our Mobile and Internet Banking platform and 10 branch visits at no charge each month.

*Check nusenda.org for full account details. **Access to Treasury Services included in monthly account maintenance fee. Per item fees apply to some Treasury Services based on utilization.

Business Money Market Accounts

Although your account number(s) will remain the same, Western Heritage Freedom Money Market and Platinum Money Market will be replaced by Nusenda Money Market. Click here for more account details.

Business Accounts

Share Certificates and IRA Accounts

Credit unions are required to refer to Certificates of Deposit (CDs) as Share Certificates and IRA Share Certificates. The maturity dates, rates, and early withdrawal penalties will stay the same as disclosed at the time of opening. Dividends are posted quarterly on the last day of the month until maturity when they will roll over to a comparable Nusenda Share Certificate with dividends posting monthly. For variable rate certificates or IRAs, these certificates will renew into a fixed rate certificate at the time of maturity as the variable rate option is no longer offered.

Loan Payments

How to make a payment

You can make an online payment with Nusenda Mobile and Internet Banking, or pay at a branch. If you prefer to send your loan payment by mail, please mail it to our post office box.

Consumer Loans

Loan payment amounts, due dates, and terms of mortgage loans and most other consumer loans (auto loans, personal loans, etc.) will remain the same after account conversion.

Business Loans

Loan payment amounts, due dates, and terms of most business loans will remain the same after account conversion. We are also pleased to share that there are no pre-payment penalties on business loans!

Wire Instructions

You can view our FAQs for instructions on sending wire transfers to and from Nusenda Credit Union. You'll be able to use your existing Western Heritage account number.

Explore more resources

Account Conversion

Mobile and Internet Banking Services

Business Accounts

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.