free checking

A direct deposit is an electronic funds transfer from one account to another. The most common use of direct deposit is when you get paid from work. Instead of picking up a paper check from the office, or being sent your check in the mail, your employer will deposit your paycheck right into your account, saving you the hassle of visiting the HR office, then the bank. That means more YOU time.

Typically, all you need is a direct deposit form from your financial institution that lists their name, routing number, your name, and your account number. To get a direct deposit form for your SunWest account, click here.

The routing number for SunWest Credit Union is 322172506.

A routing number is a 9-digit number used in the United States that identifies a financial institution. No two financial institutions will have the same one, although some may have multiple.

You can find your checking account number by logging into your account online. Under the section labeled “Accounts”, you will see a line titled “Share Draft Account” and a 6-digit number listed next to it. This is your checking account number. This can also be found on your monthly account statement.

E-statement stands for electronic statement. These are monthly summaries showing your account balances and transactions that have occurred throughout the month.

E-statements are accessible online, anytime.
‍
E-statements are better for our environment.

E-statements are also much more secure. As your financial advocate, a major safety tip is that it’s always best to avoid having physical documents floating around with your account information.

Absolutely! Every once in a while, a business or financial advisor may request a paper statement. You have 24/7 access to print your statements. You can also download and email them to the requesting party that way they can print it if needed. Most of the time, they’ll be scanning it in anyway, so it’s nice to have options. You can also choose to switch to paper-only statements for $2.00/month.

Yup! Before you leave our branch, you’ll have your debit card in hand to start using the second it’s finished printing.

If you’ve lost your debit card or believe it has been the target of fraud, report it by calling us 24/7 at 833.933.1681. Then, stop by any of our 8 branch locations for a same-day debit card replacement. While your new card is being printed, ask your Branch Representative to review your account and dispute any fraudulent charges.  

Nothing ruins a trip faster than losing access to your money. Give us a call at 602.866.1100 or click on “Chat With Us” to have a card mailed or get information on shared branches where you can get cash immediately. If you need to report and block your card outside of our normal business hours, call us at 833.933.1681. Then during business hours, you can call our main line to arrange for a replacement.

All you need to get started online is your member number and your SSN. From your desktop, visit https://online.mysunwest.com/auth/enrollment.

You sure can! At SunWest, you have access to free Billpay, Zelle, and TransferNow. Whether you need to pay a bill, transfer to an external account of your own, or pay a friend back for lunch, we got you. Visit our digital banking page for more.

You betcha! Visit https://www.mysunwest.com/mobile-wallet for more information about Mobile Wallet and how to set up Mobile Wallet for your account.

Sign into your account on the MySunWest app, and click on “Deposit”. If you are eligible for mobile deposit, you’ll be prompted to take a front and back photo.

Checks deposited via mobile deposit are typically made available within 2-3 business days. However, always check your available balance before attempting to use these funds.

You can use any ATM that accepts Mastercard, however, an ATM from a financial institution other than SunWest (foreign ATM) may charge a fee. SunWest partners with the CO-OP Network, as well as Allpoint to give you fee-free options throughout the United States, and even certain international countries.

You will never be charged for using a SunWest ATM, and you can use other ATMs 6 times each month with no fee from us. If you go over that 6, you may see a “Foreign ATM Fee” of $5 on your account. Keep in mind that although SunWest may not charge a fee to use another ATM, the terminal provider may, so it’s important to check before using their ATM.

Nope. When you open your account, make sure to discuss your preference with your representative, so they know how you would like your overdraft set up. If you would ever like to remove or add this protection in the future, just give us a call at 602.866.1100.

There is no fee to have overdraft protection. However, you will be charged $32 for courtesy pay transactions. Courtesy pay occurs when you do not have enough funds in your checking or your overdraft protection accounts (savings or a line of credit) to cover the charge, and SunWest pays on your behalf, taking your account into a negative balance. You have 30 days from the day your account first went negative to pay back the negative account balance in full.