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Personal Checking Accounts

View and compare our accounts to find out which one best suits your needs and lifestyle.

CHECKING Welcome Checking
(Learn More)
Advantage Checking
(Learn More)
Relationship Checking
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Key Features

No minimum balance required

No monthly fee when you select E-statements

Earn tiered interest based on account balance of $1,000 or more

One free box of specialty checks at account opening

Earn tiered interest based on account balance

No ATM fee for foreign ATMs

No loan processing fee on new consumer loans

No annual fee on EasyMoney line of credit

Premium interest rate on new Certificates of Deposit

One free box of specialty checks per year or 50% off all other styles

Additional benefits

Minimum Opening




Debit Card, Internet
Banking, and Bill Pay




Monthly Fee

$3 with paper statements



Waive the Monthly Fee
When You:

Select E-statements

Keep a $1,000 min. daily balance, or

Have 3 of 5 West Shore Bank products or services listed below:

- checking account
- savings account
- loan account (except
- direct deposit into checking
  or savings
- online bill pay

Keep a $10,000 min. daily balance, or 

Have $25,000 in deposits with West Shore Bank, or

Have a mortgage loan with West Shore Bank of $75,000 or more

Retail Locations: Ludington Downtown  |  Ludington East  |  Scottville  |  Manistee South  |  Manistee Parkdale  |  Frankfort  |  Hart  |  Quick Cash ATMs