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Online Banking Enrollment
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Rhythm & Dunes
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Secure Checking

simple 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:  $50.00
Monthly service charge fee:  $10.00

Reduce your monthly service fee by $2.00 for each of the following qualifiers met:

  • The primary account holder is under age 25 or age 62 or older
  • Use your debit card 20 or more times in a statement cycle (PIN or signature)
  • Maintain at least on direct deposit or recurring ACH credit of $250 or more in a statement cycle
  • Process three or more bill payments or mobile deposits in a statement cycle
  • Write 5 or fewer paper checks in statement cycle
  • Receive monthly statements electronically

Additional features:

  • FREE Online and Mobile Banking1 – with Bill Pay, Money Tracker Budget Tool, and Account Alerts
  • FREE UChoose Rewards® Debit Card
  • FREE West Shore Bank Mobile Deposits1
  • FREE Annual Investment Review
  • IDProtect® - Identity Theft Monitoring and Resolution Service2*
  • Cellular Telephone Protection3
  • Debit Advantage™ Buyer’s Protection & Extended Warranty3
  • Accidental Death & Dismemberment Insurance3
  • $hopping RewardsTM*
  • Travel and Leisure Discounts*
  • Family Health Discounts* (This is NOT insurance)

*Registration/activation required.

  1. Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
  2. 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.
  3. 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