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At West Shore Bank, we’ve combined local, friendly service with the account features most valuable to you to provide you with the best banking experience. Our personal accounts and services are designed to accommodate a variety of needs, from savings and security to convenient ways to access and manage your money. Plus, we offer a number of convenient services designed to make banking with us even easier.
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Our Switch Kit provides everything you need to move your checking accounts to West Shore Bank. |
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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Welcome Checking
| Best for You if |
You're looking for a no hassle account with no minimum balance required and convenient online tools |
| Key Features |
- No minimum balance required
- No monthly fees when you select E-statements
- Unlimited WSB ATM and Debit Card transactions
- Options available for students and customers 62 years of age or older
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| Minimum Opening Balance |
$50 |
| Debit Card, Internet Banking & Bill Pay |
Free |
| Monthly Fee |
$3 with paper statements |
| Waive the Monthly Fee When You |
Select E-statements |
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Advantage Checking
| Best for You if |
You’d like to earn interest and avoid a monthly fee by keeping a minimum balance or by having three of five West Shore Bank services2
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| Key Features |
- Balances of $1,000+ earn tiered interest based on account balance
- One free box of specialty checks at account opening
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| Minimum Opening Balance |
$100 |
| Debit Card, Internet Banking & Bill Pay |
Free |
| Monthly Fee |
$10 |
| Waive the Monthly Fee When You |
Do one of the following:
1. Keep a $1,000 minimum daily account balance1, or
2. Have three of five West Shore Bank services2
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(1) If the daily balance is not maintained, the applicable fee will be assessed.
(2) Waive the monthly fee when you use at least three of the following five West Shore Bank products and services: checking account, savings account, loan account (except EasyMoney overdraft line of credit), direct deposit into any West Shore Bank checking or savings account, or online bill pay.
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Relationship Checking
| Best for You if |
You want to be rewarded for the balances you keep with West Shore Bank by receiving a premium package of benefits
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| Key Features |
- Earn tiered interest based on account balance and waive fees based on your total relationship balances
- Premium interest rates on new Certificates of Deposit
- No WSB ATM fee charged for using non-WSB ATMs3
- One free box of specialty checks per year or 50% off all other styles
- Free cashier's checks, money orders and traveler checks
- Free notary and signature guarantee services
- Free annual investment review
- Waived annual fee on EasyMoney line of credit
- Loan processing fee waived on all new consumer loans
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| Minimum Opening Balance |
$100 |
| Debit Card, Internet Banking & Bill Pay |
Free |
| Monthly Fee |
$15 |
| Waive the Monthly Fee When You |
Do one of the following:
1. Keep a $10,000 minimum daily account balance1, or
2. Have $25,000 in deposits with West Shore Bank4, or
3. Have a mortgage loan5 with West Shore Bank of $75,000 or more
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(1) If the daily balance is not maintained, the applicable fee will be assessed.
(3) You may be charged a terminal fee by another financial institution when using your West Shore Bank card at their ATM.
(4) Total Deposit Relationship is defined as the combined balance in all PERSONAL deposit accounts, excluding IRAs. Must be primary owner on all related accounts. Accounts may only be attached to one relationship.
(5) Primary mortgage only.
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Member FDIC