EasyMoney Line of Credit (Overdraft Protection*)
Your EasyMoney line of credit is available for your use at any time and provides valuable protection from any overdraft that may occur. Payments will be made easily and conveniently through automatic deductions from your checking account each month. There’s just a small annual fee and interest is lower than most credit cards. What’s more, if you happen to overdraw your checking account, EasyMoney protects you with automatic cash advances to ensure that your checks will be honored.
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Savings Overdraft Transfer
Protect your account from overdrafts with an automatic transfer from your West Shore Bank Savings account (subject to per-transfer fee). top
Direct Deposit
Social Security, U.S. Government, and many payroll and pension checks can be deposited automatically into your checking or savings account at West Shore Bank. That means fewer trips to the bank, prompt deposits even if you’re out of town, and no possibility of lost, stolen or forged checks. top
QuickCash ATM Card
The QuickCash ATM card makes it easy to withdraw money, deposit checks and transfer funds between your accounts. top
QuickCheck Debit Card
The QuickCheck Debit Card works two ways: as an ATM card and as an electronic checkbook. Use it to access your accounts at ATMs or to make purchases at any of the 14 million locations worldwide that accept MasterCard®. But you won’t be charging those purchases. Instead, the money will be deducted automatically from your checking account. You’ll save time by not having to write checks or show identification. And each time you use your QuickCheck Debit Card instead of a check, We’ll Pay You 10˘. (The 10˘ rebate does not apply to ATM transactions.) Lost, Stolen or Missing QuickCheck Debit Card & QuickCash ATM Card Procedures: During Bank business hours, please Email or call 845-3500 or 888-295-4373 to report your lost, stolen, or missing card IMMEDIATELY. During business hours, please email or call 845-3500 or 888-295-4373 to report your lost, stolen, or missing card IMMEDIATELY. During non-bank hours, please do the following: - Call the Hotcard Line at 800-523-4175, which is available on weekends or after 5 p.m. on weekdays.
- Select Option 2.
- Email us, or call 845-3500 or 888-295-4373 (during the next business day), so we can issue you a new card.
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TeleBank
TeleBank lets you access your accounts 24 hours a day, seven days a week from any touch-tone telephone. You can transfer money between accounts, confirm loan and account balances, determine if a check has cleared, make loan payments, confirm recent ATM transactions, check on interest rates, stop payment, and more — all from your phone. Best of all, it’s free. Just call 757-4357 or 800-757-0662 if you are already set up or call 231-845-3500 (888-295-4373 if long distance) to get started. top
Credit Cards
Do you pay off your entire credit card bill each month or do you carry a balance? Do you need a card for business travel or personal convenience? No matter how you use credit, West Shore Bank has a card that offers the features you want. We offer a variety of options. Call or stop by any West Shore Bank office to learn more. Or visit the Elan website for additional information or to apply.
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Safe Deposit Boxes
At West Shore Bank, we can help you store your valuables and important papers. Our safe deposit boxes are available in a range of sizes. Each rents for a nominal annual fee. Safe deposit boxes are available at several of our offices. Please call for availability. top
Savings Bonds
U.S. savings bonds are a classic gift for newborn babies, graduating students and other family milestones. They are also a solid choice to supplement your cash reserves. These government obligations offer unparalleled security and attractive earnings. What’s more, the tax advantages are hard to beat — earnings are forever free from state and local taxes, and you can defer paying federal taxes until redemption. Use your bonds for college expenses and you won’t even have to pay the federal tax (assuming your income falls under certain limits). top
Traveler’s Checks
The prevalence of ATM machines has made it easy to get cash when you’re on the road, but it’s still wise to take along some traveler’s checks for emergencies. Traveler’s checks are an extremely safe way to carry money. If they get lost or stolen, you can replace them promptly — provided, of course, you wrote down the serial numbers beforehand. So before your next trip, pick up some peace of mind at any West Shore Bank office. top
Wire Transfers
Need to move money fast? With West Shore Bank’s wire transfer service, you can send money across the country or around the world quickly, reliably and securely. Funds can be transferred to a specified account at another financial institution — usually the same day. top
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Member FDIC