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Secure Checking

relationship secure Checking

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.

Minimum balance to open:  $100.00
Earns Interest:  Tiered interest on entire account balance
Monthly service charge fee:  $15.00 with E-statements1

Reduce your monthly service fee by doing one of the following:

  • Keep a $10,000 minimum daily account balance
  • Have $25,000 in deposits with West Shore Bank2
  • Have a primary mortgage loan with West Shore Bank of $75,000 or more

Additional features:

  • FREE Online and Mobile Banking3 – with Bill Pay, Money Tracker Budget Tool, and Account Alerts
  • FREE UChoose Rewards® Debit Card
  • FREE West Shore Bank Mobile Deposits3
  • FREE Annual Investment Review
  • 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 a 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 ($150 value)
  • IDProtect® - Identity Theft Monitoring and Resolution Service4*
  • Cellular Telephone Protection5
  • Debit Advantage™ Buyer’s Protection & Extended Warranty5
  • Accidental Death & Dismemberment Insurance5
  • $hopping RewardsTM*
  • Travel and Leisure Discounts*
  • Family Health Discounts* (This is NOT insurance)

*Registration/activation required.

  1. Paper statements with check images available for an additional $3.00 per statement cycle.
  2. Combined balance of all PERSONAL checking, savings, and CD's, excluding IRA's, Christmas Clubs, SteadySaver CDs, and Health Savings Accounts.  Must be owner on all related accounts.  Accounts may only be attached to one relationsihp.
  3. Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
  4. IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. Service is not available to a “signer” on the account who is not an account owner. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Simple Secure Checking is not available to businesses, clubs, organizations, churches, and schools.
  5. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance products are not insured by FDIC or any Federal Government Agency: Not a deposit of or guaranteed by the bank or any bank affiliate.

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