A Message from the CEO

As our Region enters Phase I of reopening, I would like to reiterate Western Division’s commitment to you, our members.  Unlike other financial institutions, we have been conducting “business as usual” with no closures of our branch system.  Of course, our first priority will be to continue to take every step possible to keep our staff and members safe.

Branch Locations & Hours

If you need to meet with a Representative, please make an appointment to minimize your wait time and unnecessary congregation. If visiting the branch for teller services, you may want to consider instead the use of our convenient night drop for deposits (which is monitored frequently) or visit one of our 850+ No Surcharge ATMs to get cash.  If you need to visit a branch location, rest assured that we are sanitizing member areas on a daily basis. We will continue with our temporary branch hours until further notice.


We are lending as usual and have always been able to complete your loan application without you ever having to leave your home!  Even better, rates are at an all-time low, so now is the perfect time to save money when you want to consolidate debt, have a project, making a purchase or when you want to refinance a loan from another financial institution.  It is simple as calling or texting (716) 632-9328 for current rates or apply online.

 Remote & Online Services

We do ask you to please continue to use our convenient online tools, remote services and call center to conduct your banking needs. It doesn’t matter if you are trying to make a deposit, payment, transfer back and forth from other financial institutions, etc. we offer the services to help you get it done without ever stepping foot into a branch location.

We will continue to respond based on the latest guidance from leading authorities and will continue to update you on a regular basis.  Remember that we are all facing this challenge together. With that being said, please understand that our staff is doing everything they can for you in this new work environment. Please continue to treat our staff with the same level of respect and patience they are extending to you.

Thank you for your ongoing business and allowing us the privilege to serve your financial needs!


Robert Harms, President/CEO

Branch Hours & Contact Information

Our branch network is open, but our hours have been temporarily modified until further notice.  We do ask you to please limit in-person branch visits and/or call ahead to make an appointment.  If you need assistance, make an appointment or would like to know how to do your business without coming into the branch, please call or text (716) 632-9328.

Williamsville Branch will be open Monday – Friday from 9:00 – 4:00 and closed Saturday.

Dunkirk Branch will be open Monday, Tuesday, Thursday & Friday from 9:00 – 1:00 then 2:00 – 4:00 and Wednesday from 9:00 – 1:00.

Night Drop Box(s) are available 24/7 at all branches, located near the front entrance.  If you do not feel comfortable coming into the branch during business hours or it is after hours, simply place your deposit or paperwork in the Night Drop Box.  We check these boxes and will post your transactions periodically throughout the business day. You can confirm your transaction through Online Banking or Telephone Banking as your receipt.

Branch Appointments While our branch locations are open for business, we do ask to please call ahead to make an appointment.

Call or Text Us at (716) 632-9328 before visiting a branch location.  We most likely will have a more convenient alternative for you.

Email Us with any questions at memberservice@westerndivision.org

EDocs if you need an account opened, a form completed or your loan documents signed, we can do everything by secure email.

Loan Applications – Call (716) 632-9328 to apply by phone or Apply Now.

Mortgage Applications – Call (716) 632-9328 for information of Apply Now.


Self Service Banking Options

Online Banking and Telephone Banking provides you access to account information, transfer money and more.  If you are a first-time user, please call or text (716) 632-9328 or contact us for activation.

Mobile App is everything that is Online Banking along with Remote Deposit, Loan Payments, Debit and Credit Card Locks and Alerts.

Make a Payment, Deposit or Transfer within your accounts at Western Division or from another financial institution.

Get Cash from one of our 55,000 No Surcharge Allpoint ATMs (850 right here in WNY) or have a check mailed to you through Online Banking, Telephone Banking or call or text (716) 632-9328.


Helpful Information

Transactions – We will continue to post transactions as usual: Direct deposit; recurring payments and debits/credits.

Stimulus Checks – If you have any questions or would like to check the status of your payment, call (800) 829-1040 or Get My Payment.

Your Money is Safe – Rest assured we are federally insured by the National Credit Union Association (NCUA).  All deposits are insured up to at least $250,000 per individual depositor.

We Care – For members facing potential hardships, please refer to our Skip-A-Pay or Financial Relief Application.

Beware of Scams – Beware of all scams as cybercriminals will be active during this time of uncertainty.  Western Division will never contact you to provide or verify your personal or financial information. Click here for recent scams and warnings.

Covid-19 – For the most up-to-date information, visit the Centers for Disease Control and Prevention and the World Health Organization.