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Welcome to Wescom

It All Starts June 1!


Open an Account

We’re Here to Serve You

We are excited to provide former Central Coast Federal Credit Union (CCFCU) members with greater financial products, services, tools, technology, and access starting June 1, 2024. We know that you may have questions about the transition and Wescom is committed to providing you with exceptional service every step of the way.

Below you will find important dates, information, and supporting resources regarding this exciting change. Please be sure to check back as we will continue to update this page with additional resources to further support your experience joining Wescom.

Thank you for being part of our growing community—we look forward to serving you!

 

Merger Key Dates Merger Checklist Frequently Asked Questions Products and Services Booklet
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Welcome to Wescom

As Executive Vice President and Chief Operating Officer, it's my pleasure to extend a warm welcome to you, our newest members.

Since 1934, Wescom has been a cornerstone in helping Southern Californians build better financial futures and communities. Now serving more than 245,000 combined members through the Central Coast and Valley, Wescom is confident that this merger will offer added economic value and convenience to your everyday banking needs through lower fees, competitive rates, and greater depth of financial products, service, access, and technologies. We can’t wait for you and the communities of Monterey County to experience the Wescom difference.

Starting June 1, you’ll have access to our robust mobile and online banking platforms, an expanded branch network, access to direct deposit up to two-days sooner at no cost to you1, and full-service banking that includes auto, credit card, personal, home loans2, wealth management, and insurance services3, just to name a few.

We look forward to helping you and your family build a better financial future, together.

Keith Pipes,
Executive Vice President and Chief Operating Officer

Key Dates for Your New Wescom Account

 

We couldn’t be more excited about this next stage of providing you, our member-owners, with greater financial products, services, tools, and access — all while continuing to build better lives for the communities we serve. Here is a timeline of key dates to help you make the most of your membership with us.

Merger Checklist

This is a carousel with timeline slides. Use the previous and next buttons to navigate.

April 22

Check Your Mail

Your Wescom Welcome Packet will be mailed to you that includes important information and resources including your new Wescom Credit Union Account Number, disclosures, and more.

May 1

Check Your Merger Checklist and Get Your Account Ready

  • Cancel EZPay and eBill payments scheduled after June 1 from your CCFCU account.
  • Download Quicken history.
  • Download any statement or tax documents you may need immediately as these will be temporarily unavailable starting May 31.

May 9

Your new Wescom debit cards are on their way to your address on file.

  • Activate by calling the number provided on the card. Starting June 1, you can activate your new cards through Online Banking or wescom.org/cards/activate.
  • Update any recurring payments scheduled after June 1 to your new card.

May 10

If you used checks in the last year, new Wescom checks are on the way to your address on file.

If you would like to order new checks, you can do so through Online or Mobile Banking beginning June 1. Please securely destroy your old CCFCU checks.

May 30

Last full day of banking with CCFCU. Check the Merger Checklist to make sure you are ready.

  • Make sure your Wescom debit card is activated
  • Don’t forget to cancel CCFCU EZPay payments
  • Last day to download Quicken History

May 31

CCFCU Access No Longer Available
Starting at 12 p.m.

Beginning around 12 p.m., the CCFCU website, online banking and mobile app will no longer be available; this includes Zelle®. Please be sure to conduct any necessary banking transactions prior to this time.

June 1

Welcome to Wescom!

Your account has officially transitioned, and you can begin to access your account through Wescom. See the Merger Checklist for a full list of how to get started with your Wescom Account.

  • Download the Wescom Mobile Banking App
  • Enroll in online banking and the Mobile Banking App
  • Activate and use your Debit Card and update payments
  • Update your direct deposit. Wescom’s Routing Number is 322079353. You can find your new account number in online or mobile banking.

June 3

Branch Locations

Visit one of our 29 branch locations to complete an account transaction, apply for a loan, or say “hello” to a familiar face. Eligible Central Coast staff are now part of the Wescom team who share a commitment to you, our valued member.

June 30

Statement History

CCFCU statement history available. Login to Online Banking or the mobile app to access.

July 1

First Wescom Statement

Your June Statement is available from Wescom. If you are on eStatements, look for an email from wescom@wescomnews.org. You can also access estatements in Online Banking and the mobile app. For those on paper statements, these will be mailed out to the address on file.

Better Banking Starts Here

We believe you will enjoy the value-added benefits reserved exclusively for Wescom members, including:

  • Free Checking1
  • Free Overdraft Transfers2
  • Free two-day Direct Deposit3
  • And so much more!

Learn More

Banking Wherever You Are

No matter where you are, you can access your Wescom account form anywhere.

This is a carousel with slides. Use the previous and next buttons to navigate.

man using laptop outside at dusk
Branches
close up of hand holding credit card at ATM
ATMs
person typing on laptop computer
Online Banking

Branches

Visit one of our 29 branch locations and make an appointment to complete an account transaction, apply for a loan, or say “hello” to a familiar face. Central Coast staff are now part of the Wescom team who share a commitment to you, our valued member.

Find a Location

ATMs

Members have access to 30,000+ fee-free ATMs nationwide through the CO-OP™ Network.*

* Non-CO-OP or Non-Wescom ATM operators and institutions may charge an ATM usage fee.

Find an ATM

Online Banking

Beginning June 1, log in to Online Banking for complete access to all your Wescom accounts including card activation, BillPayer, loan payments, transfers, Signature Membership, and more.

Learn More

Mobile Banking

The Wescom Mobile Banking App for Android™ and Apple® devices gives you 24/7 access to all of your Wescom accounts.


Download on the App Store Download on the Google Play Store

This is a carousel with slides. Use the previous and next buttons to navigate. Click on a slide for additional content.

Faster Sign-In

Sign in to the Wescom Mobile Banking App with the touch of your finger or by using face recognition.

TOUCH ID® OR FACE ID®

Fingerprint or Trusted Face

Get started by logging into the Wescom Mobile Banking App and tapping on the Remember Me option. If your mobile device has any of these security features, accessing your account will be much faster. You can enable or disable this feature at any time from your Profile name, Login & Security, then Biometrics.

Touch ID and Face ID are registered trademarks of Apple Inc.

Pay & Transfer

We make it easy to move funds your way.

PAY AND TRANSFER

Pay bills, transfer between accounts and other institutions, pay your Wescom card or loans, or access Zelle®. Get started by logging into the Wescom Mobile Banking App!

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Zelle®

Send and receive
money to people
you know and trust.

ZELLE®

Tap into the advantages of Zelle® by downloading the latest version of the Wescom Mobile Banking App on the App Store® or Google Play store. Visit wescom.org/zelle to learn more.

App Store is a service mark of Apple Inc.
Google Play is a trademark of Google LLC.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

SnapDeposit

Deposit checks straight from
your phone into your
Wescom account.

SNAPDEPOSIT

To get started, download the latest version of the Wescom Mobile Banking App available from the App Store® or Google Play store.
Visit wescom.org/remote-banking to learn more.

* Terms and conditions apply. For complete details, click here.

App Store is a service mark of Apple Inc.
Google Play is a trademark of Google LLC.

BillPayer

Pay your bills on the go by scheduling one-time or recurring payments.

BILLPAYER

BillPayer is the easiest and fastest way to pay your bills online. Plus, it’s free. Log in to the Wescom Mobile Banking App, tap on Pay & Transfer, then BillPayer to get started.

Apple Watch®

Wear your wallet wherever you go.

Add your Wescom card to Apple Pay® on your Apple Watch. Log in to the Wescom Mobile Banking App, tap on your Profile name and Digital Wallet to add your Wescom cards. Then select Profile -> Settings -> Apple Watch to enable on-the-go account review and payments.

Apple Watch and Apple Pay are registered trademarks of Apple, Inc.  

Mobile Wallet

Take your Wescom cards wherever you go.

MOBILE WALLET

Add your Wescom cards to your mobile wallet in the Wescom Mobile Banking App. To get started, click the debit card icon under the primary Checking share or the credit card icon under the Credit Card loan to set up Apple Pay®, Google Play, or Samsung Pay®. The option will only be available if the card is open and activated. If the card has already been added, the icons will not display.

Apple Pay® is a registered trademark of Apple, Inc. 
Google Pay is a trademark of Google LLC.
Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. 

Full-Service Banking

from Borrowing to Investing

From borrowing to investing and insurance protection, Wescom offers full-service banking products and services to help you achieve your financial goals.

  • Real Estate Loans — Get the financing you need to buy your first home, second residence, or vacation property — in or out of state.
  • Home Equity Lines of Credit (HELOC) — Help pay off higher-interest debts or help cover home improvements, tuition, or major purchases with a Wescom HELOC. Plus, lock in your rate with our fixed rate conversion feature and get a 0.50% APR rate discount on converted balances.4
  • Credit Cards — Competitive interest rates and rewards-based cards give cardholders the freedom and purchasing power of credit without the burden of annual or foreign transaction fees.
  • Wealth Management — our registered representatives Wescom Financial Services, though CUSO Financial Services (CFS) can assist you with your financial planning and investment need.5
  • Insurance Services — Wescom offers a wide range of insurance services to help you protect your home, auto life, health—and even your pets!6

90 Years of
Helping Californians
Build Better Lives

 

Founded in 1934 with the principle of “people helping people,” Wescom remains dedicated to helping Californians build better lives. Like all credit unions, we are a not-for-profit financial cooperative whose members are our owners.

With roots in Southern California, Wescom offers full-service banking solutions. Our member-owners benefit from lower loan rates, higher savings yields, fewer fees, and a robust network of ATMs.

Visit our About Us page to learn more about our rich 90-year history of building better lives for all.

Learn More

Building Better Communities

 

Wescom is more than banking — we are a network of members and employees dedicated to making California a better place for all. Created in 1999 by Wescom employees, the Wescom Foundation works to improve the lives of Californians by supporting community-based organizations through strategic grantmaking and community engagement.

Learn More

Frequently Asked Questions

 

All loans are subject to approval. Rates are subject to change without notice. Membership eligibility required. Terms and conditions apply.

1 The paper statement fee is waived when enrolled in eStatements for Platinum Signature Members, Youth Accounts, Primary Account Members age 60 and older, Fiduciary Accounts, and for the first 90 days for new accounts. A $5.00 fee will be assessed for printing and mailing a paper statement (monthly and quarterly).

2 A $3.00 Excessive Withdrawal Fee may be charged to your Savings Account for each withdrawal or transfer in excess of four (4) within a calendar quarter.

3 Wescom will post your direct deposit when it is received, regardless of the settlement date. Early access to your direct deposit of funds is not guaranteed and is dependent on the timing of funding by the payer.

4 APR= Annual Percentage Rate If you choose to convert any portion of your balance to a Fixed Rate Conversion (FRC), the 0.50% APR discount will be applied to the HELOC variable rate (Prime Rate plus a margin) that is in effect on the date of conversion. If you choose to convert any portion of your balance to a Fixed Rate Conversion (FRC), the 0.50% APR discount will be applied to the HELOC variable rate (Prime Rate plus a margin) that is in effect on the date of conversion. HELOCs currently within a special introductory rate period are not eligible for the FRC until the introductory period has ended.

5 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CUSO Financial")(“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. The Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members.

6 Insurance services offered through Wescom Credit Union, CA Ins Lic #0D64850