Account Conversion

What will happen to my member and account number?

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. Your member number is being sent to you in a separate letter; please keep it for future reference. Read more about member and account numbers during the account conversion process here.

Will I receive a new debit card?

Before August 19, you will receive a new Nusenda Visa debit card. If you do not receive a new card by August 19, 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; however, please note that your new card will not be usable until your account is converted to our system on August 19.

After conversion, 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.

Will my routing number change?

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 do I find my 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

What should I do if I have not received my member number?

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.

When will I receive my monthly statements?

You can find the table for new statement dates here.

What is the difference between real-time and batch processing?

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.


Account Transition

Will I receive a new debit card?

Before August 19, you will receive a new Nusenda Visa debit card. If you do not receive a new card by August 19, 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; however, please note that your new card will not be usable until your account is converted to our system on August 19.

After conversion, 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.

What is Overdraft Protection?

If you already have Overdraft Protection established, it will be 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.

Will I receive new checks?

Good news: your Western Heritage personal and business checks can continue to be used after the account conversion. When you do need to order Nusenda-branded checks, your routing number (ABA), which is used to identify the credit union, will update to Nusenda’s. Your new routing number will be 307083665, however items being processed with your current routing number will still clear as normal. You may order checks by visiting a branch, calling Nusenda’s Contact Center at 505-889-7755, or following these online instructions:

  • Log into the Nusenda Mobile Banking App or Internet Banking at nusenda.org and select Check Re-order under Additional Services on the menu.
  • Multiple checking accounts may appear; select the one for which you are ordering checks.
  • Select the check design you wish to order. Discounted, custom checks can be found under the Nusenda Credit Union tab.
  • Personalization to checks such as design, font, and special logos can be made online. However, if you need to update your address, please do so before ordering your checks. Address changes can be made by visiting a branch, calling the Contact Center, or by updating contact information under the My Profile tab within Mobile or Internet Banking.
  • Review the shipping method. Please note that trackable shipping methods do have an increased cost associated with the service.
  • Click Place Your Order to submit.

Business members needing to order new checks can call Nusenda’s Contact Center at 505-889-7755 , option 8, or visit a Nusenda branch location. For check re-orders, business members can order through ordermychecks.com.

What is the difference between a Certificate of Deposit (CD) and a Share Certificate?

Share Certificates are a safe place to put your money if you're looking to save for a fixed amount of time. Credit unions call this type of savings account “share certificates.” Banks call them “CDs” or “certificates of deposit.” Why the difference? Member-owned, not-for-profit credit unions, like Nusenda, return – or share – our profits with members in the form of reduced fees, lower loan rates—and higher savings rates.

What will happen when my Certificate of Deposit (CD) rolls over to a Share Certificate?

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.


How do I make a loan payment?

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.

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!

How can I send a wire transfer?

As a Nusenda Credit Union member, you can send or receive a wire transfer using your account click here to review a few simple steps.

What changes are happening to my Personal Savings, Checking, and Money Market accounts?

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


What changes are happening to my Business Checking accounts?

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


Now that I have access to more ATMs, can I use my Western Heritage debit card until all systems have been converted?

Yes, you will be able to use your Western Heritage debit card at these ATMs until our systems conversion is complete. When traveling, look for machines that have the CO-OP symbol, text your zip code to 91989, or find a location on CO-OP’s site. Use the ATM locator to find the location closest to you.

Other Questions

What is Community Rewards?

Our Community Rewards® program, available with all Nusenda Credit Union personal checking accounts, helps you earn cash back and support the community initiatives you care about. When you skip the pin and make signature-based transactions with your Nusenda Visa debit card, you earn cash back and we contribute a cash reward to the community. In 2023, we awarded $634,000 in Community Rewards grants to organizations addressing critical needs. Our focus areas include Education, Healthcare, the Arts, Environment and Wildlife, and Community Services and Support.

What is Earn Your Return?

Our Earn Your Return program allows you to earn bonus dividends through qualifying usage of our savings, deposit, and loan products. The more you financially participate at the credit union, the more you can earn! If you meet eligibility criteria, you are automatically qualified for an Earn Your Return distribution. Since 2013, we have distributed more than $60.5 million in bonus dividends to our members.

Where can I find financial well-being resources?

We are committed to helping you strengthen your financial well-being, no matter where you are in your financial journey. We offer no-cost tools, like our Credit Score tool, Banzai content library, BALANCE Financial Fitness program, and special workshops to help you dive into the topics you care about.

What is The Power of Change?

When you opt into The Power of Change® in Mobile and Internet Banking, you can round up your Nusenda Visa debit card purchases to the nearest dollar and place the change where you need it most. You can boost your savings, pay down your debt, or donate to your favorite cause.

Mobile and Internet Banking Services

Where can I download the Nusenda Mobile and Internet banking app?

On August 19, visit the Apple App Store or Google Play Store and download the Nusenda mobile app.

When can I start using Nusenda's Mobile and Internet Banking services?

Start using Nusenda Mobile and Internet Banking on August 19.  Review the comprehensive account conversion schedule here.

How can I access my online account history?

If you need a copy of your financial history for future reference or financial management software (i.e. Quicken, QuickBooks, etc.) please download your account history from Western Heritage Mobile and Internet Banking prior to August 16.

To export your history:

  • Log into Western Heritage Mobile and Internet Banking and select the desired account tile
  • Select a date range to view from the drop-down list above the account transactions
  • Click the Export button at the top center of the page and select your preferred file type from the following: Excel (.xls), OFX, or Quickboos (.qbw)
  • Click on Export

 

What will happen to my current Bill Pay schedule?

To make this transition as convenient as possible, your payees, payments, and payment preferences will automatically transfer to Nusenda’s Bill Pay system. While we don’t anticipate any issues, we recommend reviewing your information after the conversion to ensure accuracy. You will not be able to add new Bill Pay payees or schedule payments in Western Heritage Mobile and Internet Banking starting August 12 (while conversion is under way). Starting August 19, you will be able to set up new payments on the Nusenda platform.

Please note that any payments that are scheduled for the conversion timeframe (August 12 through August 19) will go through as scheduled. For example: if on August 11, you schedule a payment for August 16, it will be processed without issue.

What will happen to my current automatic transfers in my Western Heritage Mobile and Internet Banking profile?

Starting August 16, you will not be able to schedule future-dated transfers in Western Heritage Mobile and Internet Banking. If you have previously set up recurring or automatic transfers in your Western Heritage Mobile and Internet Banking profile, they will carry over as part of the account conversion. You can validate these transfers or make changes beginning August 19.

Will I be able to continue using Zelle?

After the conversion, person-to-person (P2P) payments can be performed on Nusenda’s Mobile and Internet Banking platform. P2P transfers allow you to quickly and conveniently send money to anyone in the United States with just an email address or phone number. Zelle will no longer be available. Payment history and contacts cannot be converted, and you will need to manually re-enter your contacts in the new service after conversion.

What is Mobile Pay?

Mobile Pay is a simple, secure, and convenient way to pay for purchases directly from your digital device in seconds. Mobile Pay is available at participating stores, restaurants, and even online. Our Visa® cards are compatible with Apple Pay, Google Wallet, Samsung Pay, Garmin Pay, and Fitbit Pay.

How can I enroll in Credit Score?

For personal accounts, our no-cost Credit Score tool allows you to view your latest score and report, perform a personal financial check-up, identify offers, and track any changes in your score to prevent or fight fraudulent activity – all without ever negatively impacting your score. You can opt in through Mobile and Internet Banking post conversion.

Business Accounts

What will happen to my member and account number?

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. Your member number is being sent to you in a separate letter; please keep it for future reference. Read more about member and account numbers during the account conversion process here.

What is Positive Pay?

Positive Pay will help you avoid financial loss caused by check or ACH fraud and offers a simple solution to identify fraudulent items presented on your accounts by verifying the authenticity.

Will I have access to 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.

How do I find my 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

What will happen to my Freedom and Platinum Money Market account(s)?

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 about Nusenda's Money Market accounts.