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FAQs

General  |  Deposits  |  Savings  |  ATM/Debit  |  Online/Telephone Banking  |  Mobile Banking  |  Checking  |  Loans

General

Which West Shore bank locations have safe deposit boxes?
Are accounts at West Shore Bank FDIC insured?
Are you affiliated with another bank or independently owned?
Can I open an account if I don’t live in the United States? What if I live in the United States but am not a citizen yet?
Does West Shore Bank consider Saturday a business day?
Does West Shore Bank offer foreign currency, foreign drafts and can you wire transfer overseas?
How can I make a deposit to my account from a remote location?
How do I contact the bank?
How do I notify West Shore Bank of a change of address?
What information is required to receive a wire transfer?
 

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Deposits

How do I set up Direct Deposit of my Social Security or payroll check?
If I make a deposit or withdrawal today, when will it appear in my account?

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Savings

What is my EE, I, or HH US Government savings bond currently worth?
What is the minimum amount require for opening up a CD?
What is the minimum amount required for opening up a savings account?

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ATM/Debit

How long does it take to get a new or replacement debit/ATM card?
How much cash per day can I withdraw from an ATM?
May I make a loan payment at a QuickCash ATM?
What do I do if I forget my PIN number for my ATM/Debit card?
What do I do if I lose my card and the bank is closed?
What is the ATM cut-off time for deposits?
When is a debit card purchase deducted from checking?
Where can I use my West Shore Bank QuickCheck Debit Card?
Which West Shore Bank locations have ATMs?

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Online/Telephone Banking

Do you have online banking?
Do you have telephone banking?
Do you offer online bill pay?
What do I do if I can’t remember my password for OnLine Banking?
When do OnLine Banking transfers post to accounts?

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Mobile Banking

Do I have to have the iPhone app to use mobile banking?
Do I need to capitalize my text commands?
Does mobile banking require a special phone?
How do I cancel my mobile banking service?
How do I enroll in mobile banking?
How much will I be charged for each text received?
Is there a charge for mobile banking?
My spouse and I share a user ID for Online Banking. Can we both use Mobile Banking on our phones?
What does SMS mean?
What happens if I change my phone number?
What is Mobile Banking?
What number do I send text commands to?
What should I do if I lose my phone?
What text commands can I use with mobile banking?
Who can use Mobile Banking?
Why do the pages on the mobile site look different than the pages on the West Shore Bank website?

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Checking

Do you charge a fee on accounts for non-profit organizations?
How can I avoid a service fee on personal accounts?
How do I reorder checks?

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Loans

Can I have my loan payment debited out of my checking account?
Can I make a transfer through West Shore Bank OnLine from my Line of Credit?
How can I obtain a FREE copy of my credit report?
How long do I have to be working to get a mortgage?
How long does it take to close on the purchase of a home?
How much of a down payment do I need to purchase a home?
What items do I need to apply for a mortgage loan?

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If you have additional questions, please contact us by telephone at (231) 845-3500 or toll free at (888) 295-4373, email us your question at info@westshorebank.com or visit any West Shore Bank location and a customer service representative will be happy to answer your questions.


Locations: Ludington Downtown  |  Ludington East  |  Scottville  |  Fountain  |  Manistee South  |  Manistee Parkdale  |  Hart  |  Walkerville  |  Quick Cash ATMs