| Membership |
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Q: How is Western Division Federal Credit Union different from other financial institutions?
A: Western Division Federal Credit Union is a not-for-profit cooperative institution, owned and operated by its members. Our goal is always to help you
pay less interest on loans, earn more dividends on savings and pay less fees or required minimum deposits on accounts.
Q: Who is eligible to join Western Division?
A: The following individuals and groups:
- Individuals that live, work, worship, volunteer or attend school in the counties of Erie or Chautauqua, New York.
- Participating Groups (Businesses and other legal entities) through our Partner At Work Program.
- Member's families including spouse, children, grandchildren, siblings, parents, grandparents, members of the immediate household, and family
members of those who have died while within the field of membership of this credit union, regardless of where they may live.
Q: How do I join?
A: There are three easy ways to apply for membership with Western Division. Simply complete our Membership/Account Application,
call (716) 632-9328 to apply by phone or visit our nearest branch location.
Q: Will my membership end if I move out of Erie or Chautauqua County or leave my employer or participating group where I am currently?
A: No. Once you're a Western Division member, you're a member for life.
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| Account Access - Deposit and Withdrawal Options |
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Q: How can I access my account information without visiting a branch location?
A: 24 hour access is available to make transfers and check your account balances through
 Internet Banking, Mobile Banking or Telephone Banking at (716) 632-9328.
Q: How do I make a deposit to my credit union account?
A: Use these convenient ways to make deposits:
- Direct Deposit
- Branch Locations (after-hours drop boxes available)
- Mail to: Western Division FCU, 6750 Main Street, Williamsville, NY 14221
- ACH Transfer - Authorize a transfer or payment to your Western Division account by providing your Member Number (found on your statement) and our Routing & Transit Number (222080222) to the other financial institution.
- Bill Pay - Use your Bill Pay Service (from another financial institution) to set up a transfer or payment to your Western Division account using your Member Number (found on your statement) and our Routing & Transit Number (222080222).
- Transfer Funds - Transfer funds between your Western Division account(s) Internet Banking, Mobile Banking, Telephone Banking at (716) 632-9328 or Auto Funds Transfer.
Q: How do I sign up for Direct Deposit?
A: Contact your payroll administrator or check provider. Simply give them your Western Division Member Number along with our Routing & Transit Number 222080222.
- For a Direct Deposit Authorization Form to take to your payroll administrator or check provider Click here.
- To enroll for Direct Deposit of your Social Security, SSI or other Federal Benefits Click here.
- To enroll for Direct Deposit of your NYS Child Support Click here.
Q: What is Direct Deposit Distribution?
A: Once you have enrolled in Direct Deposit enjoy the convenience of setting up automatic transfers to other accounts (your accounts or family members accounts at the credit union) to watch your savings grow effortlessly or to repay loans.
Q: How can I make a withdrawal from my credit union accounts?
A: There are four convenient ways to make withdrawals:
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| Internet Banking and E-Statements |
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Q: How much does Internet Banking cost me?
Internet Banking is a FREE service provided to all members of Western Division FCU.
Q: I am a first time user to Internet Banking and I don't have a password, what should I do?
A: For security purposes, prior to the first time you sign on, we need to authorize you for Internet Banking. Stop by a
branch location, call us at (716) 632-9328 during business hours
or contact a Member Service Representative.
When using Internet Banking I was asked for my Credit Union ID number?
A: The Internet Banking Credit Union ID number is 055.
Q: I tried to sign on to Internet Banking and it gave me an error message that my time expired, what should I do?
A: For security purposes, if you have not used Internet Banking (signed on) within 90 days we will need to reset your password. Stop by a branch location, call us at (716) 632-9328 during business hours
or contact a Member Service Representative.
Q: How do I change my address?
A: Use Internet Banking to change your address or contact a Member
Service Representative at (716) 632-9328.
Q: What is an E-Statement?
A: E-Statement is an electronic version of your statement and images. You will receive a notice via your email address letting you know that the
current statement is available. You can view or print your statement right from your computer as well as view over one year's worth of statements.
Q: Will I continue to receive my paper statement in the mail?
A: As soon as you sign up for E-Statements, you will receive an email notification of
your E-Statement. After that you will no longer receive a paper statement.
Q: Is there a charge for E-Statement?
A: E-Statements are FREE to all members.
Q: When will I receive my E-Statement?
A: You will receive an email notification that your E-Statement is ready normally the third business day of every month. (You may receive your
statement information either monthly or quarterly depending upon the activity in your account.)
Q: Is my E-Statement information secure?
A: Western Division has chosen to notify you via email that your statement is ready and where to go to retrieve it (via Internet Banking). There
your E-Statement will be available through our secure server.
Q: Do I have to be an Internet Banking user to retrieve E-Statements?
A: Yes. Once you have established your Internet Banking relationship (a FREE service), after you sign on to
Internet Banking simply click on the "E-Statements" logo at the top of the page.
Q: How do I sign up for E-Statements?
A: If you are not currently using Internet Banking (a FREE service), for security purposes you must contact a Member Service Representative by calling
(716 or 800) 632-9328 or stopping by a branch location to be activated.
If you currently use Internet Banking, simply sign-on to Internet Banking
and click the "E-Statements" logo at the top of the page.
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| Products & Services |
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Q: What types of products and services does Western Division offer?
A: Western Division offers a full selection of loans and savings products similar to those
available at other financial institutions. In addition, we provide convenient account access services, so you never
have to stop into a branch location to do your banking.
Q: Are my Western Division deposits insured?
A: Yes. Your deposit accounts are insured and supervised by the National Credit Union Administration
(NCUA), an agency of the United States Government. Calculate your insured deposit accounts.
Q: What are the suffix numbers of my account?
A: These suffixes may also be found on your statement:
| Savings |
000 |
| Sub Savings |
007 - 009
700 - 703 |
| Holiday Club |
004 - 005 |
| Money Market |
100 - 104 |
| Savings or IRA Term Certificates |
300 - 350 |
| Traditional IRA |
040 - 049 |
| Roth IRA |
120 - 121 |
| Education IRA |
130 - 131 |
| Checking |
001 - 002 |
| Overdraft LOC |
070 |
| Credit Card Payment |
198 |
| Mortgage Payment |
006 |
| Vehicle Loans |
060 - 069 |
| Personal Loans |
060 - 067 |
| Home Equity Loans |
074 - 079 |
| Home Equity LOCs |
071 - 073 |
| Mini Equity Loans |
500 - 509 |
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| Checking Account |
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Q: What type of Checking Account is available?
A: Whatever your needs, we have a convenient account that offers the features you want and, most important of all,
fits your lifestyle. Add convenient Account Access and
Internet Banking services and you have everything you need in a Checking account.
Q: How do I place a stop payment on a check?
A: Contact us during regular business hours or visit a branch location. Fees may apply, consult the Fee Schedule.
Q: How can I reorder checks?
A: The easiest way to reorder checks is to use Internet Banking (once in Internet Banking go to 'My Messages' then 'Helpful Links') to reorder. You may also reorder over the telephone by contacting a Member Service Representative at (716) 632-9328 during our regular business hours or visit a branch location. Once check orders are processed, you will receive your check order within 7-10 business days. Fees may apply, consult the Fee Schedule.
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| Loans |
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Q: What types of loans are available for borrowing?
A: We make borrowing simple, with timely approval, competitive rates and reasonable terms.
Q: How do I apply for a loan?
A: There are three easy ways to apply for a loan:
Q: How long do I have to be a member before I can apply for a loan?
A: You do not need to have an established relationship with the credit union before applying for any type of loan.
Your credit application decision is determined by your credit score (determines your interest rate) and your ability to
repay the loan (debt to income).
Q: Can I get pre-approved for a loan?
A: We recommend it, so you know exactly what we can offer as you compare your options. Call (716) 632-9328 or
complete a loan application. (Pre-approvals are good for 90 days.)
Q: Does Western Division provide refinancing for existing loans?
A: Call (716) 632-9328 or complete a loan application. We can then discuss with you money saving
options. (Refinancing does not apply to existing Western Division loans.)
Q: Does the credit union offer Credit Life or Credit Disability Insurance for loan products?
A: You may request credit life or credit disability insurance on your credit union loans to help keep your family in their standard
of living if your income is reduced or eliminated due to a disability injury, illness or unexpected death.
Contact us for more information.
Q: What are my options for making payments to my loan?
- Direct Deposit - is the most convenient way to make payments.
- Mail to: Western Division FCU, 6750 Main Street, Williamsville, NY 14221
- ACH Transfer - Authorize a payment to your Western Division loan by providing your Member Number (found on your statement) and our Routing & Transit Number (222080222) to the other financial institution.
- Bill Pay - Use your Bill Pay Service (from another financial institution) to set up a payment to your Western Division loan using your Member Number (found on your statement) and our Routing & Transit Number (222080222).
- Branch Location(after-hours drop boxes available)
Q: How can I be notified when my loan payment is due?
You can receive an email notification of your loan payment due date by signing up for an eAlert Subsciption at
Internet Banking (once in Internet Banking go to 'My Messages' then 'eAlert Subscriptions').
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| Credit and Check Card Services |
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Q: How do I make a payment to my Credit Card?
A: Use these convenient options to make a payment to your Credit Card:
Q: What should I do if my Check Card or Credit Card is lost or stolen?
A: For your protection, call (716 or 800) 632-9328 to report your card lost or stolen.
This service is available 24 hours a day, 7 days a week.
Q: What should I do if my Check Card or Credit Card is not working?
A: Call (716 or 800) 632-9328 at your earliest convenience. We'll determine the origin of the problem and
help to restore your services as soon as possible.
Q: How can I receive or change my Personal Identification Number (PIN) for my Check Card or Credit Card?
A: Call (716 or 800) 632-9328 to receive or change your PIN.
Q: How do I access my Credit Card information?
A: Simply click on the VISA logo on the top of this page or visit Card Services.
Q: What types of accounts will my Check Card access?
A: Your Check Card will access available funds in your Savings and/or Checking accounts at Western Division.
Q: What types of transactions can I make using my Check Card?
A: Use these convenient options:
Q: What happens when my Check Card or Credit Card expires?
A: All cards reflect an expiration date. If your account is in good standing, the card is valid through the last day of the month it expires.
New cards are typically mailed out between the 10th-15th of the month they expire. If you do not receive your new card by the end of the month
they expire, please call (716 or 800) 632-9328.
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| Helpful Links |
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The links provided above are for information purposes only. Western Division does not contribute to the content they contain.
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| Supervisory Committee |
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Q: What is the Supervisory Committee?
A: The Supervisory Committee is an independent committee, often referred to as an Audit Committee. The committee is comprised of
three to five volunteers who are members of the credit union.
Q: What does the Supervisory Committee do?
A: The committee works independent of Western Division management and the Board of Directors. It oversees the work of internal and
external auditors. It is responsible for ensuring the member assets are adequately safeguarded, accurate records are maintained and proper
business practices are followed.
Q: How can the Supervisory Committee help me as a member?
A: The committee is also responsible for reviewing member complaints that cannot be resolved through normal channels.
Most issues can be resolved efficiently and effectively by Credit Union staff at a branch location or through
the Member Service Center. If you are unable to resolve an issue or discrepancy in your account through normal channels,
you may wish to contact the Supervisory Committee.
Q: How do I contact the Supervisory Committee?
A: You may contact the Supervisory Committee by writing to:
Western Division Supervisory Committee, PO Box 1682, Williamsville, New York 14231-1682
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