Western Division More Than You Expect
Products & Services
Vehicle Loans
Home Loans
Other Loans
Savings & Investments
Checking
Financial Planning
Frequently Asked Questions (FAQ)
Membership
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.

Account Access - Deposit and Withdrawal Options
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 lock 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) lock Internet Banking, Mobile Banking, Telephone Banking at (716) 632-9328 or Auto Funds Transfer.

  • Click here for a quick reference guide to available Payment/Deposit Options.
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:

Internet Banking and E-Statements
Q: How much does Internet Banking cost me?

secure 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 secure 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 secure 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 secure 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 secure Internet Banking and click the "E-Statements" logo at the top of the page.

Products & Services
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: Do you offer a Coin Counting Service?

A: Yes, this convenient service is available at the Williamsville Branch Location. Simply bring in your unrolled coin and deposit into the coin counting machine. Fees may apply, consult the Fee Schedule.

Checking Account
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 secure 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 order or reorder checks?

A: You have the choice to order or reorder checks from any check supplier you wish. Simply provide them with a voided check or if ordering by phone or internet have your check available to provide the account information.

After researching check suppliers we found that secure Walmart Check Ordering offers exceptional value by way of quality and quantity. If you wish to order through Walmart the easiest way to order or reorder checks is to use their online service secure Walmart Check Ordering. You may also place an order over the telephone by contacting Walmart at (866) 925-2432 .
Loans
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.

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. secure Contact us for more information.

Q: What are my options for making payments to my loan?
  • 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) lock Internet Banking, Mobile Banking, Telephone Banking at (716) 632-9328 or Auto Funds Transfer.

  • Click here for a quick reference guide to available Payment/Deposit Options.
Q: How can I be notified when my loan payment is due?

A: You can receive an email notification of your loan payment due date by signing up for an eAlert Subsciption at secure Internet Banking (once in Internet Banking go to 'My Messages' then 'eAlert Subscriptions').

Credit and Debit Card Services
Q: How do I make a payment to my Credit Card?

A: Use these convenient options to make a payment to your Credit Card:

  • Transfer through secure Internet Banking to your 'Credit Card Payment' suffix 198.
  • Call (716 or 800) 632-9328
  • Visit or mail to a branch location .
  • Click here for a quick reference guide to Credit Card Payment Options.
Q: What should I do if my Debit 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 Debit 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 Debit 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 visit secure Card Services.

Q: What types of accounts will my Debit Card access?

A: Your Debit 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 Debit Card?

A: Use these convenient options:

Q: What happens when my Debit 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.

Q: What is Verified by Visa?

A: In addition to the other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. It's easy and only takes a few moments to activate your Credit Card and/or Debit Card.

Calculators & Helpful Links
Supervisory Committee
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 212, North Tonawanda, New York 14120

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.