FREQUENTLY ASKED QUESTIONS
Your go-to resource to answer all your questions.
The Frequently Asked Questions (FAQ) page is meant to be your go-to resource for information about our services and membership. Whether you're a new member seeking to understand the basics or a long-time member with a specific inquiry, we've compiled a comprehensive list of questions and answers to help you navigate our offerings with ease. Not seeing what you are looking for? Reach out to us in the webchat or contact us for more assistance.
Our routing number is 272480995.
Community West is federally insured by the National Credit Union Administration (NCUA). The NCUA insures up to $250,000 per account holder for each account ownership category (personal, IRA, Trust, etc.). For more information, please refer to our your funds are secure webpage.
Mobile App:
- Log into your Community West Mobile App
- Click the ☰ in the bottom right of your screen
- Select eStatements and choose the first statement
- Your account number is labeled as your "Member #" in the upper right corner of the page
Online Banking:
- Log into Online Banking
- Hover over the "Member Services" tab and select eStatements
- Select Account Statements
- Choose the most recent statement
- Your account number is labeled as your "Member #" in the upper right corner of the page
Paper Statement:
Your account number is labeled as your "Member #" in the upper right corner of the page.
Membership Card
Your account number is the number on the lower right of the card.
Our current loan payment options include the following:
- Transfer funds from your Community West savings/checking account through online banking or set up an automatic funds transfer (AFT).
- Set up Direct Deposit (i.e., from your employer or social security) into your Community West account.
- Reach out to your other financial institution to set up a Bill Pay to send funds to your Community West loan (one-time or recurring). Please provide them with your Community West account number, routing number (272480995), and billing address (Community West Credit Union, PO Box 8069, Kentwood, MI 49518-8069).
- Make a deposit at any Community West branch location or after-hours night drop.
- Make a deposit at a shared branch location. View the full list of shared branching locations near you. Please note that you will need your picture ID and Community West account number to use shared branching.
- Mail a check to Community West Credit Union, PO Box 8069, Kentwood, MI 49518-8069.
- Make an ATM deposit into your Community West account. Review the ATM locations to find a location near you!
- Call us at 616-261-5657 to make your loan payment with a debit/credit card or with your other financial institution's account number and routing number (applicable fees will be disclosed within the payment channel and are based on the dollar amount of loan payment).
To add a joint owner, all existing owners, plus the new joint owner, must individually come to a branch with valid IDs to sign a new membership form. For your convenience, your whole party does not have to be present at once to sign a new membership form. To remove a joint owner, the joint owner must come and sign off at a branch; the primary owner cannot remove the joint owner.
To add or remove a beneficiary, all account owners must individually come to a branch to sign a new Add/Remove Beneficiary form. When adding a new beneficiary, you must provide the beneficiary's social security number, legal name, date of birth, address, and contact number. For your convenience, your whole party does not have to be present at once to sign a new beneficiary form.
This type of transfer will need to be initiated from your other financial institution to send funds to your Community West account. Please call your other financial institution or log into their online banking system to set up a Bill Pay. You will need your Community West account number and routing number (272480995) and our billing address (Community West Credit Union, PO Box 8069, Kentwood, MI 49518-8069).
There may be other options, such as wire transfers, shared branching transfers, or withdrawing/depositing a cashier's check or personal check. Call us at 616-261-5657 for more information.
You may log into your Community West online banking, click on the "Member Services" tab, then click "ACH Transactions". You will see pending and posted ACH transactions there. Please note that if you do not see the ACH deposit, we haven't received it yet. You can also set up ACH eAlerts through your online banking by clicking "More", then "eAlert Subscriptions", so you will be notified when an ACH comes through.
- What is a pending ACH deposit? Sometimes merchants/employers send a deposit through early, with a later effective posting date. You will be able to see the amount and the expected date of deposit.
- What if the merchant/employer sends the deposit as a same-day deposit? In this case, you may not see it pending beforehand, but it should be posted to the account as soon as we receive it on the effective date.
If you are unsure of your password, please click on the online banking "Login" button and then "Forgot Password". You will be asked security questions to reset your password. The account will be locked if there have been three incorrect password attempts. If this happens, please call us at 616-261-5657, and we can reset your login password.
You can explore all current rates here on our website!
You can stop at any branch location or call us at 616-261-5657 for further instructions. There may be a fee associated with domestic and/or international wires. Review the Schedule of Service Charges for more information.
Call us at 616-261-5657, and we will provide wire-in instructions.
When cashing a check, a record on the member's account is required that a check was received and processed. Depositing a check and withdrawing the total amount provides documentation that the check was cashed with Community West Credit Union.
We are a part of an extensive Co-Op shared branching/ATM network and the Xtend Shared Branching network. Locate the closest ATM and Shared Branch to you!
Remember that you need your picture ID and Community West account number to use a shared branch.
The $3.00 security fee is your enrollment in IDProtect® - an identity monitoring and protection service. Plus, you can also check your official credit report every 90 days. Visit our IDProtect® page for additional information to take full advantage of this service.
To use Mobile Check Deposit, you must first register through our mobile app by logging in, selecting the "Deposit" icon at the bottom of the screen, and selecting "Register". You will either be approved within 24-48 hours or receive an email about why you were not approved. Once approved, select the "Deposit" icon and follow the instructions within the mobile app.
Yes, there are daily limits on debit card transactions and ATM withdrawals. Call us at 616-261-5657 for additional information.
Your credit card information is available through online banking or the CWCU Cards Mobile App. You can see your balance, recent purchases, payment information, and make a payment. To view your credit card activity, download the app or log into online banking, Select your credit card, click "Manage My Card", and then click "Go To PSCU Card Management". For additional assistance, contact us online or by phone.
If an incorrect or unauthorized transaction is posted to your account, you must attempt to resolve the error with the merchant first. If you cannot reach the merchant or they cannot help you, you must file a dispute with Community West. If the charge in question is fraudulent or unauthorized, you are required to close your card and have a new card issued to avoid future charges from that merchant.
To dispute a debit card transaction, you must complete a Debit Dispute Form. The form is available in online banking, the mobile app, at any Community West branch, or by calling 616-261-5657. If you have any questions regarding a charge, don't hesitate to contact us!
If an incorrect or unauthorized transaction is posted to your account, you must attempt to resolve the error with the merchant first. If you cannot reach the merchant or they cannot help you, you must file a dispute with Community West. If the charge in question is fraudulent or unauthorized, you are required to close your card and have a new card issued to avoid future charges from that merchant.
To dispute a credit card transaction, contact Cardholder Services at 866-820-5878 or log into online banking or the mobile app to access credit card management.
To activate and set a PIN for your credit or debit card, call from the phone number on file with your Community West account. Once you have activated your card, stay on the line to set a 4-digit PIN.
For debit card activation, call 866-985-2273
For credit card activation, call 800-631-3197
You can submit a travel notification through the CWCU Cards Mobile App, Online Banking, calling 616-261-5657, or stopping at your nearest CWCU branch. To submit a notification through online banking, select the "Member Services" tab, then select "Travel Notification" in the bottom right corner.
If you believe you have temporarily misplaced your debit or credit card, you can "lock" your card using the lock feature in online banking or the CWCU Card Mobile App. This feature is accessible by pressing the green lock icon on the image of your card inside the app. Once you find your card, you can "unlock" the card by pressing the red lock icon on the image of your card.
To report a lost or stolen debit or credit card, call 1-866-820-5878. You may also report your card lost or stolen using the CWCU Cards Mobile App.