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Secure Checking

Personal Checking Accounts

Keep Security in Checking

If you’re like most people, you rely on your checking account to keep your finances running smoothly. With West Shore Bank’s new Secure Checking accounts, you can also rely on your checking account to keep your finances more secure.

With a variety of online and mobile tools to make banking easy, in addition to a variety of security benefits to help protect you and your family, each of our checking accounts is loaded with benefits to help your money work harder for you.

Our checking accounts are designed to make banking easier and come with:

  • FREE Online and Mobile Banking1 - with Bill Pay, Money Tracker Budget Tool, and Account Alerts
  • FREE UChoose Rewards® Debit Card
  • FREE West Shore Bank Mobile Deposits1
  • FREE Annual Investment Review

Peace of Mind Security

Your security has always been our priority.  Each of our checking accounts comes with a wide variety of free benefits to protect your finances and keep you safer from fraud and loss.  Learn more about how we can provide you some peace of mind, including:

  • IDProtect® – Identity Theft Monitoring and Resolution Service
  • Cellular Telephone Protection
  • Buyer's Protection & Extended Warranty
  • Accidental Death & Dismemberment Insurance

Find the account that's right for you.


Simple
Secure Checking

Interest
Secure Checking

Relationship
Secure Checking

Right for you if...

You prefer tech to checks. You don’t write many checks and you enjoy the use of online and mobile services to bank whenever and from wherever you want.

You want your money working harder for you in an interest-earning account. You frequently use online and mobile banking tools as well as direct deposit to simplify the way you bank.

You maintain higher balances and want to receive extra benefits based on combined balances in your West Shore Bank linked accounts.

Minimum Balance to
Open

$50

$100

$100

Earns Interest

N/A

Yes - tiered interest for balances $1,000+
Yes - tiered interest on entire account balance

Monthly Service
Charge Fee

$10

$7.50

$15 with E-statements2

Reduce or avoid
Monthly Service Fee

You can reduce your monthly service fee by $2.00 for each of the following qualifiers met:

  • Primary account holder is under age 25 or age 62 or older
  • 20 or more debit card transactions (PIN or signature) in statement cycle
  • At least one ACH credit/direct deposit of $250+ in statement cycle
  • Process three or more bill payments or mobile deposits in statement cycle
  • Write 5 or fewer paper checks in statement cycle
  • Receive E-Statements

You can reduce your monthly service fee by $1.50 for each of the following qualifiers met:

  • 5 or more debit card transactions (PIN or signature) in statement cycle
  • At least one ACH credit/direct deposit of $500+ in statement cycle
  • Process three or more bill payments or mobile deposits in statement cycle
  • Maintain a $1,000 minimum daily balance in statement cycle
  • Receive E-Statements

Do one of the following:

  • Keep a $10,000 minimum daily account balance
  • Have $25,000 in deposits with West Shore Bank3
  • Have a primary mortgage loan with West Shore Bank of $75,000 or more
Additional Benefits
  • Lots of Secure Checking Benefits!
    Learn more
  • One free box of specialty checks at account opening
  • Up to $7.00 of WSB’s ATM fees waived when using non-West Shore Bank ATMs in statement cycle
  • Lots of Secure Checking Benefits!
    Learn more
  • One free box of specialty checks or 50% off all other styles once per year
  • Up to $14.00 of WSB’s ATM fees waived when using non-West Shore Bank ATMs in statement cycle
  • Premium interest rate on new certificates of deposit with term of 36 months or longer
  • 50% discount on one Safe Deposit Box (where available)
  • Free cashier’s checks or money orders
  • Loan processing fee waived on all new consumer loans

And even more benefits with your Secure Checking account:

 

  1. Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
  2. Paper statements with check images available for an additional $3.00 per statement cycle.
  3. Combined balance of all PERSONAL checking, savings, and CDs (excluding IRAs, Christmas Clubs, SteadySaver CDs, and Health Savings Accounts.) Must be owner on all related accounts. Accounts may only be attached to one relationship.

WSB Basic Checking
For a checking account without secure benefits, our Basic Checking account might be right for you.  A classic checking account with a variety of online and mobile tolls that make banking a breeze.

Account Features:

  • No monthly service charge
  • No minimum balance requirement
  • Requires e-statements
  • Does not include the Secure Checking benefits   
  • Online banking and bill pay, including MoneyTracker budget tool and alerts
  • UChoose Rewards® Debit Card Rewards program
  • Free West Shore Bank Mobile Deposits1
  • $50.00 minimum opening balance
  • A $3.00 service charge applies for those requesting a mailed paper statement (except Seniors 62 or older)

  1. Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.

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