We Are Canvas!


Western Rockies FCU is officially Canvas Credit Union. So...what does that mean? While your new cards won't begin working until Monday, May 16, there are steps you can start taking now!

For existing members, you can now access your accounts through Canvas' Online & Mobile Banking services. Check out the steps below on how you can activate your brand new Canvas debit card and log-in to Online Banking!

Prior to May 16th, you will have received two envelopes: one envelope containing your new Canvas Debit Mastercard and the other containing your new Personal Identification Number (PIN). If you do not have this information on you, no worries: please stop by your nearest Canvas branch to get your Canvas Debit Mastercard printed and/or reset your PIN. If you do have your new card and PIN ready, here's how you can activate it:

  • Call 1-800-466-0040 to activate
  • Visit one of our ATMs
  • Perform a PIN-required transaction in store

Once you've activated your new Canvas Debit Mastercard, you may safely dispose of your WRFCU Debit Card!

  1. Go to our website at
  2. Click the MY ACCOUNT button at the top right
  3. Click Register Here in the bottom left
  4. You'll need to Accept the General Terms of our Online & Mobile Services Agreement. Here's a copy: Online & Mobile Services Terms & Conditions (PDF)
  5. Pick your membership type: Personal or Business
  6. Input your Member number, the last four digits of your SSN (or TIN), and your Date of Birth
  7. Set your Username and Password!

Once you've finished these steps, you should be able to access your accounts!

For new members, we invite you to explore the Canvas website and learn all about the awesome products and services we offer our members in our mission to help you Afford Life. 

Questions? No worries, we're here to help. Reach out to your local branch or visit for more information.

Fruita - 970-858-7422  | Grand Junction - 970-243-2434 | Rifle - 970-625-0212 


Joint Accounts: 

An account that you can share with another person for things like paying the bills, depositing paychecks, or saving for a vacation or down payment for a car.

You will notice that Canvas handles multiple owner accounts differently than the Western Rockies.

At Canvas, a multiple-owner account is maintained and used by two or more owners who together own the funds in all the nonretirement depository subaccounts/shares (e.g., savings, checking, certificate of deposit (“CD”), money market, and similar products) having the same member number. Multiple owners have equal rights to take action and conduct transactions on the account, products, or services.
These rights allow each owner alone to start, confirm, review, change, add, terminate, and conduct transactions on the multiple-owner accounts, products, or services on behalf of all owners for any purpose we allow. Further, each owner of a multiple owner account at Canvas owns the funds with the right of survivorship. This means that when one owner dies, her or his interest in the account and the funds in the account remain jointly owned by the surviving owner(s). Please see our full Member Service Agreement for additional information regarding ownership and survivorship rights.

To reconcile the ownership difference between the Western Rockies and Canvas, we are offering a transitional period to afford you time to confirm and adjust, if necessary, the ownership and survivorship structure of your account. If an existing joint owner owns all subaccounts within the same member number, we will automatically elevate the joint owner to the Canvas method of multiple owner accounts as defined previously.

However, if a joint owner does not already own all nonretirement depository subaccount/shares within the Membership, we will temporarily rely on the Western Rockies’ ownership records. If a Membership includes shares with varying joint owners, then the joint owners will continue having access to their respective shares until August 15, 2022.
Act before August 15, 2022. If you desire to maintain different owners or beneficiaries for different products, we will assist you and your joint owners in opening one or more additional Membership accounts to accommodate your preferred ownership/survivorship structure.
If you are uncertain of your existing ownership records or if you would like to make changes, please visit a Canvas branch, or call 800-437-7328  prior to August 15 so that we can ensure your account is structured to your preference without interruption.


Checking Accounts: 

Great checking starts with great features, like easy-to-use online access and the potential to earn interest on your balance along with rewards.

Kasasa checking accounts will be discontinued and converted to our best, most similar checking account product, Canvas’ Level Up Checking.

If you currently have a Kasasa account, this information is for you!
  • All Kasasa checking accounts will convert to our “Level Up” checking,
    • At Canvas, we believe in offering a B.S. Free1 banking experience. No more eligibility criteria to meet monthly. So Go Live, leave the banking to us, and enjoy these
      automatic perks.
    • Level Up offers automatic, daily reimbursement for out-of-network ATM fees (up to 5 occurrences per month).
    • Level Up helps members passively save money by automatically rounding up “the change” on debit card transactions.
  • While we will automatically establish the round-up & transfer to the primary savings account, members can (by visiting or calling after system conversion):
    • cancel the rounding & transfer of the “change.”
    • donate the “change” to charity
    • designate a different share account to receive the “change.”
    • establish a multiplier of 2 or 5 to level up even faster
  • Want more banking perks? What about free money! Canvas will give you $50 after saving an initial $50 in round-up change. This is one way we support you to Afford Life.
  • Eligible Kasasa accounts will receive their last monthly incentives on May 2nd, for the monthly reward cycle of April 2022.
  • Losing incentives perks is not fun. We get it. Therefore, Canvas will pay a one-time Welcome to Canvas incentive of $50 (in addition to the $50 earned through your Level Up.
    bonus) to each member who had Kasasa for keeping your checking account relationship with Canvas for at least 90- days (August 16, 2022). That’s it, no hoops to jump through.

1Bank Slang Free, that is.

Savings Accounts:

Every membership begins with a great savings account, and it only gets better from there! Currently, we offer multiple accounts, all designed to make reaching your goals easier. So, whether you’re looking for a short or long-term solution, our savings accounts offer competitive rates and the accessibility you need.
All Kasasa savings accounts will convert to Canvas’ Reverse Tier Savings account. Get 2.50% APY2 on the first $2,000 you deposit with our Canvas Reverse Tier Savings Account. This account is built to take you from beginner to expert with an interest model that will get your savings building faster than any of our other accounts.
  • Any amount is worth saving, so we have no minimum deposit to open.
  • No minimum balance is required.
  • No service fees.
While we aim at offering you the best experience during this transition, we invite you to a deeper conversation about your personal needs. The people you know and love have a new set of solutions to offer you. Allow us to match you up with solutions to meet your unique needs.
2APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce earnings. Rates are subject to change at any time. Canvas Credit Union membership is required. Want to view all the fine print, visit our Disclosures web page:


Roth and Traditional Individual Retirement Accounts (IRAs):

IRAs are ideal for those whose retirement is in the near future, as well as for those whose time is still several years away. When considering your retirement, plan smart and choose an IRA at Western Rockies. 
Individual Retirement Accounts (IRAs) are a popular instrument often used to supplement employer-sponsored retirement programs, pensions, and social security benefits upon retirement.

If you currently have an IRA Certificate of Deposit (CD), the minimum balance to open and maintain an IRA CD is increased to $2,500 (from $500).

If you have an IRA CD with a lower balance, upon renewal, you will have the option to roll it over into a savings IRA. If this is the case, we will contact you prior to the renewal period to discuss your options. You can always stop by one of our branches to discuss options and investment vehicles that best meet your needs.

Courtesy Pay:

If you have a checking account with WRFCU, you may have used Courtesy Pay to help you when you got a flat tire the night before payday! You were charged a fee, but you got
your new tires right away!

If you’ve already chosen to take advantage of Courtesy Pay, you will stay enrolled and enjoy the benefits described in the table below under Full Safety Net. If you’d like to change
coverage or enroll for the first time, we have three options for you to choose from:

Items in the previous table may be paid from your account, even when funds are not available, and a $30 fee will be charged per transaction. If you opt-out of Safety Net, a $30 non-sufficient funds (NSF) fee will be charged each time a transaction is attempted to be pulled from your account.

Here’s the awesome part:
If you’re enrolled in Safety Net, we will not charge any overdraft fees unless your available balance falls more than $10 below zero. (AKA, you have a $10 buffer to avoid paying a $30 overdraft fee.)

Please be sure to read our Notice of Important Information About Overdraft Services and Fees. While most of our Family loves our Safety Net benefit, we know it’s not for everyone. Keep in mind that you may opt-out or opt-in to Safety Net at any time.

Fruita - 970-858-7422  | Grand Junction - 970-243-2434 | Rifle - 970-625-0212 

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