Basic Checking

Discover a checking account that keeps things simple. 
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No Frills Checking.

With a basic checking we keep it simple—no monthly maintenance fees or minimum balances.

Key Features

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No Monthly Fees
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EMV Chip Debit Card w/Rewards

What are the Benefits of a Basic Checking Account?

  • Straightforward checking 
  • No monthly maintenance fee
  • No minimum balance requirements
  • Unlimited check writing
  • Free eStatements included
    • Paper statements available for $3, monthly (free for ages 62+)
  • Free digital banking services
  • Free ATM/debit card with Extra Awards®
  • $50 minimum deposit to open

Why Choose a Basic Checking?

Our basic checking account is a great option for anyone looking for a no-frills checking account with no monthly maintenance fee. If you’re looking for more added incentives or interest rates check out our Simple Secure Checking or Interest Secure Checking .

Open a Basic Checking Account?

West Shore Bank has been Making a Difference Since 1898. For over a century, we have remained committed to helping the people and businesses along the lakeshore to improve their financial well-being. Bank with us in person or on the go! Visit one of our nine Michigan branches in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.

Apply now to open a basic checking account and enjoy all the digital services you want with your checking, such as digital bankingZelle®, and our MoneyTracker budgeting and financial planning tool.
1Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.

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Finance Your Dreams

Whether you need affordable financing to purchase your next car or a recreational vehicle, or you’re looking for a general personal loan to use for a variety of things, West Shore Bank can help.