Our savings accounts offer competitive interest rates and the security of FDIC insurance. Check out each of our account options to determine which makes the most sense for your situation.

E-Z Statement Savings E-Z Money Market Savings Health Savings SteadySaver Account Certificates of Deposit

West Shore Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

E-Z Statement Savings

E-Z Statement Savings is a free savings account that offers the flexibility of withdrawals and unlimited deposits. It’s designed for savers who anticipate needing frequent access to their money. Interest is paid and compounded quarterly.

(4) You may be charged a terminal fee by another financial institution when using your West Shore Bank card at their ATM.

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This personal account is for customers who are looking for liquidity and a higher return from their savings account. Interest will be paid on the full balance depending on which tier they fall into each day of the month. Interest is paid monthly. A minimum balance of $1,000.00 is required to avoid a monthly service charge.

(1) If the daily balance is not maintained, the applicable fee will be assessed.
(4) You may be charged a terminal fee by another financial institution when using your West Shore Bank card at their ATM.

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Health Savings

A Health Savings Account (HSA) is a tax-exempt custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses for an individual, spouse or dependents. HSA's are available to anyone enrolled in a qualified, high-deductible health insurance plan. This transaction account allows check writing, debit cards, ACH activity and earns interest at a tiered rate. The HSA requires a $1,000.00 minimum balance to avoid a monthly service fee.

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SteadySaver Account

This account is ideal if you want the discipline of an automatic savings program. Saving has never been easier.

• Specify an amount to be automatically transferred each month from your West Shore Bank checking or savings account into a certificate of deposit ($25 minimum required)
• Choose the term option that matches your goals (6, 12, 18, or 24 months.)

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Certificates of Deposit are a safe, conservative investment and a convenient place to store money you may need in four years or less. Your principal is insured and your interest rate is guaranteed, so you know up front exactly how much you’ll earn. Terms range from 90 days to 48 months. The longer your term, the more you’ll earn. But remember: A penalty applies if you withdraw money before your CD matures.

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