Account Conversion

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.

Statements

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 view the schedule for new statement dates.

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.


Mobile and Internet Banking Services

We believe supporting businesses is critical to strengthening our communities, and Nusenda is proud to offer convenient and powerful digital tools to help you securely manage your business accounts 24/7. We will automatically transfer your online banking account information, notifications, recurring transfers, recurring bill payments, and more to Nusenda’s easy-to-use Mobile and Internet Banking platform. Click here to review a comprehensive account conversion schedule.

Positive Pay

If you are a business member using Positive Pay services, you will be automatically converted to Nusenda's Positive Pay service. Learn more about positive pay in our FAQs.

Merchant Capture

If you are a business member using Merchant Capture, you will have access to our Remote Deposit Plus service post- conversion. The service, functionality, and log in credentials are the same, just with a different name.


Account Transition

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

Business Checking Accounts

Business Rewards Visa debit cards are included with all Nusenda Credit Union business checking accounts. It's a convenient way to do your business banking without having to write checks, and you can earn 0.25% cash back with every signature-based purchase. Use your card anywhere Visa is accepted, and see your rewards deposited into your checking account at the beginning of each calendar year.

Current Account NameNew Account NameDividends/InterestAccount Features*/Changes
Business AnalysisCommercial Dividend CheckingYes$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 CheckingEmerge Business Checking AccountYes$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 BusinessImpact Business CheckingNoNo 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 details.

Business Loan Payments

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!

You can make an online payment with 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:

Nusenda Credit Union
P.O. Box 8530
Albuquerque, NM 87198


Conversion Schedule and Resources

We want to make the conversion of accounts as easy as possible. This schedule provides a general overview of changes that will occur during account conversion, which will be complete as of August 19, 2024.

Conversion support

Please contact 505-889-7755, option 8 between 7:30 a.m. and 6 p.m. Monday - Friday and 8 a.m. and 3 p.m. on Saturdays for help.

In-branch support

You are welcome to stop by any of our branches for help. We will have additional team members available starting August 19 to help you get acclimated to Nusenda and our systems.


Business AccountsFriday August 2Monday August 12Thursday August 15Friday August 16Saturday August 17Sunday August 18Monday August 19
Western Heritage online banking enrollmentWestern Heritage Mobile and Internet Banking no longer available for new enrollment after 8 a.m. on August 2Log into Nusenda Mobile and Internet Banking
Western Heritage Bill Pay Western Heritage Mobile and Internet Banking Bill Pay no longer available after 7 a.m. on August 12; pre-scheduled payments will go throughStart using Nusenda Mobile and Internet Banking Bill Pay
Western Heritage Business Banking payments (ACH and Wires) Western Heritage ACH and wires no longer available after 1 p.m. on August 15Start using Nusenda Mobile and Internet Banking
Western Heritage Business ACH and Check Positive Pay Western Heritage Business ACH and Check Positive Pay no longer available after 7 a.m. on August 16Start using Nusenda Positive Pay and ACH
Western Heritage Mobile and Internet Banking Western Heritage Mobile and Internet Banking no longer available after 1 p.m. on August 16Start using Nusenda Mobile and Internet Banking
Western Heritage Mobile and Internet Banking transaction history Download transaction history before 1 p.m. on August 16Western Heritage Mobile and Internet Banking online history is no longer availableFor transaction history prior to the conversion, please refer to your prior statements
Business AccountsFriday August 2Monday August 12Thursday August 15Friday August 16Saturday August 17Sunday August 18Monday August 19
Western Heritage online banking enrollmentWestern Heritage Mobile and Internet Banking no longer available for new enrollment after 8 a.m. on August 2Log into Nusenda Mobile and Internet Banking
Western Heritage Bill Pay Western Heritage Mobile and Internet Banking Bill Pay no longer available after 7 a.m. on August 12; pre-scheduled payments will go throughStart using Nusenda Mobile and Internet Banking Bill Pay
Western Heritage Business Banking payments (ACH and Wires) Western Heritage ACH and wires no longer available after 1 p.m. on August 15Start using Nusenda Mobile and Internet Banking
Western Heritage Business ACH and Check Positive Pay Western Heritage Business ACH and Check Positive Pay no longer available after 7 a.m. on August 16Start using Nusenda Positive Pay and ACH
Western Heritage Mobile and Internet Banking Western Heritage Mobile and Internet Banking no longer available after 1 p.m. on August 16Start using Nusenda Mobile and Internet Banking
Western Heritage Mobile and Internet Banking transaction history Download transaction history before 1 p.m. on August 16Western Heritage Mobile and Internet Banking online history is no longer availableFor transaction history prior to the conversion, please refer to your prior statements

Explore more resources

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.