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Branch Lobbies Now Open

  • Our lobbies are open regular hours to help you with teller services, new accounts, certificates, consumer loans and other transactions.
  • You may continue to use our drive-ups for routine transactions including – depositing checks, transfers, loan payments, and more.
  • Digital banking allows you to manage accounts 24/7, no matter where you are.  You can pay bills, deposit checks, set up alerts, track expenses and more.
  • We accept appointments if you prefer to meet with someone in person at a designated time.  Call us at 888.295.4373 to make an appointment at your local branch location.
  • Preventative measures are in place, including plexiglass shields, markers to promote social distancing, and sanitizer in our lobbies. 
  • We require staff and customers in our offices to wear masks.

As a reminder, there are many convenient ways we can assist with your banking needs.  We encourage you to consider using our online banking and mobile app for easy 24/7 account access.  See additional information below on ways to connect with us during this time.


PPP Loan Application Process

We are accepting and submitting both new and second-draw PPP loan applications to the SBA.  Please work with your commercial lender to submit your application package.  If you do not have a commercial lender, please call us at 231.845.3500 or 888.295.4373. These funds are being distributed by the SBA on a first-come basis, so don't delay!


Economic Impact Payments

The IRS and Treasury Dept. have begun processing ACH files for the $600 per person payments.  Direct deposits were processed as early as Monday, January 4. Paper checks started to be mailed on Wednesday, December 30, dated January 6. The IRS reminds taxpayers that the payments are automatic and you should not contact your financial institution or the IRS with payment timing questions. Additional information is available here.

We encourage you to set up a deposit alert within Digital Banking to inform you when your account is credited.  Just select the account you would like to add a transaction alert to and then select "Alert preferences."  You may receive alerts by email, text or within the app.


Update 12/22/20 - Key Highlights of Coronavirus Response and Relief Supplemental Appropriations Act

On December 21, the House and Senate passed legislation to supply the latest round of COVID-19 relief, authorizing more than $900 billion in economic aid to small businesses and consumers.  The summary below focuses on key banking provisions of the Act.

Key Highlights of New Stimulus Bill for West Shore Bank Customers


PPP Data Release

On December 1, the Small Business Administration released public data about Paycheck Protection Program borrowers - specifically, the borrowers' names, addresses, exact loan amounts and who their PPP lenders were.  This was done by court order following lawsuits brought by media organizations seeking the data.

We want you to know that West Shore Bank did not publicly disclose the data and played no role in the court decision.  Our commitment to protect your privacy is paramount, and we follow all applicable laws and regulations.

Unfortunately, we have heard that some third party businesses are using information from the court-ordered data release to market themselved to PPP customers.  These commununications may reference our bank's name and may even imply that we have some kind of relationship.  You should be aware that we will communicate directly with you about your PPP loan and the forgiveness process.  If you have any doubt, please contact us directly.


Affected by the COVID-19 pandemic?

We're here to help.

West Shore Bank is offering financial relief measures to assist customers impacted by the COVID-19 pandemic.  We are committed to being a source of strength, helping families and businesses through this challenging time.

If you are experiencing financial hardships related to family sickness or workplace closures, we are here to help.

MiMortgage Relief Partnership

We are participating in this program and are working with mortgage borrowers experiencing financial hardship due to COVID-19.  Call us at 888.295.4373 to discuss the best solution for your need.


Paycheck Protection Program (PPP)

We successfully funded over $36 million, assisting over 450 local businesses and protecting more than 4,700 jobs along Michigan's west shore communities in the now expired Paycheck Protection Program.  Call us at 888.295.4373 to discuss how we can help your business.

SBA Paycheck Protection Program (PPP) Forgiveness


Economic Impact Payment (EIP) Information

Economic Impact Payments are starting to be direct deposited into your checking or savings account. 

  • Check status. To check the status of your payment, go to IRS GET MY PAYMENT.  For additional information about your payment, including Q&As, click here.
  • Safely deposit your check.  Use mobile deposit to safely deposit your check while social distancing.
  • Be safe.  Protect yourself from fraud and scams.  Be aware, they may:
    • Emphasize the words "Stimulus Check" or "Stimulus Payment."  The official term the IRS is using is, "Economic Impact Payment" or "EIP."
    • Ask you to sign over your EIP payment check.
    • Ask by phone, email, text or social media for verification of personal and/or banking information saying that the information is needed to receive or speed up your Economic Impact Payment.
    • Suggest you can get a tax refund or Economic Impact Payment faster by working on your behalf.  This scam could be conducted by social media or even in person.
    • Mail you a bogus check, perhaps in an odd amount, then tell you to call a number or verify information online in order to cash it. 
    • IRS warns taxpayers of scams
    • Avoid coronavirus scams
    • Common scams and what to do to protect yourself
    • 5 things you can do to avoid a COVID-19 scam

Additional West Shore Bank programs include:

  • Consumer Loan Payment Deferral Program: For West Shore Bank customers facing financial hardship related to family sickness or workplace closures due to COVID-19, the Bank will offer payment deferral on all consumer loans with no late fees or credit bureau impact for up to 90 days. 

  • Mortgage and Home Equity Payment Deferral Program: For mortgage customers of West Shore Bank facing financial hardship related to family sickness or workplace closures due to COVID-19, the Bank will offer payment deferral with no late fees or credit bureau impact for up to 90 days.

  • Business Relief Programs:  Please contact your West Shore Bank Business Banker to discuss the best solution for your circumstance. 
  • Suspension of Foreclosure Program: West Shore Bank has suspended initiating new residential property foreclosure actions for the next 60 days.  

  • Repossession Halt Program: West Shore Bank has suspended initiating new repossession actions for vehicles, RV’s, or marine craft for the next 60 days. 

To request hardship assistance, contact your West Shore Bank Business Banker or call Customer Care at 888.295.4373 during banking hours.


It's easy to stay in touch with us as we offer many ways to conduct your banking safely during this pandemic.

Personal Online and Mobile Banking

Use West Shore Bank's tools and resources for self-service banking and 24/7 account access through our digital banking (mobile and desktop) and TeleBank services.  These channels allow you to check balances, transfer funds, deposit checks, pay bills, access eStatements and more.  If you are not enrolled in online banking, you may either self-enroll or contact Customer Care at 888.295.4373.  You can also download our WSB Mobile app for your Apple or Android device.

Use our Digital Banking Guide to help you set up and manage your finances any time, any where.

Business and Treasury Management Banking

View your accounts and manage your finances though our online and mobile banking services.  It’s easy to check balances, transfer money or make payments.  Contact our Treasury Management team at 231.845.3580 or email [email protected] for assistance or to sign up.  For our small business customers, consider using Autobooks for invoicing and accepting electronic payments.

Use our Digital Banking Guide to help you set up and manage your finances any time, any where.

Mortgage Loan Applications and Loan Payments

You can apply for a mortgage loan right from the comfort of your couch.  Not only that, but we can also send you all required paperwork electronically for signature.

You can make your West Shore Bank loan payments through Online Banking or by using the payment portal available on our website.

Drive Ups, ATMs and Night Depository 

Our drive up services retain regular business hours. Customers may also use night depositories at our Hart, Ludington-Downtown, Ludington-South, Scottville, Manistee-Parkdale, Onekama and Frankfort offices.  Our staff continue to monitor and post deposits promptly.

Call, Email, or Schedule an Appointment

Our Customer Care Center will continue to be available for phone calls 8:30 am – 5:00 pm Monday through Thursday, 8:30 am – 6:00 pm on Friday, and 8:30 a.m. - Noon on Saturday. Give us a call at 888.295.4373 between these hours and we’ll be happy to assist you with any questions or concerns you may have.  We may experience higher than normal call volumes, so please be patient with us as we assist our customers.

If you would prefer, you may also contact us using the Contact Us form on our website or by e-mailing us at [email protected].

 We’re here for you.

  • Need access to any of the online services listed above? No problem!  Call us at 888.295.4373, contact us using the Contact Us form on our website, or email us at [email protected].
  • Don’t have a debit card to access your funds?  We’ve got you covered - just give us a call. We can instantly link a debit card to your checking/savings account.  The debit card can be mailed to your home or it can be issued instantly and picked up at any one of our branch locations upon request. 

Your security is important to us. If we need to reach out to you regarding matters pertaining to your accounts, we will not ask for confidential information such as your name, password, personal identification number (PIN) or other account information. Please be wary of scams during this time, See the Federal Trade Commission's advice for consumers to protect yourself from scams.

For the safety of our employees, other customers, and the broader community, if you have been affected by COVID-19, please stay home and use our online, mobile banking or phone services. 

We will continue to monitor the situation and will update you as necessary. We'll also provide timely and ongoing updates on our website or via West Shore Bank’s Facebook page.

West Shore Bank is prepared to offer assistance, as needed, to impacted customers through a range of measures.  Should you, as a customer of West Shore Bank, encounter a hardship as a result of the COVID-19, please call us at 888.295.4373 during business hours to discuss your personal situation.

We have the people, technology, products, services and solutions to help you navigate during this challenging time.  We remain committed and focused to meeting your financial needs.

Below are helpful information sources to help keep you aware and prepared.

Michigan COVID-19 website

US Centers for Disease Control (CDC) COVID-19 website

World Health Organization webpage