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Coronavirus Update: Relief Programs Announced

West Shore Bank is currently operating branch lobbies by appointment only.  Our management team will continue to monitor the situation and reopen the lobbies subject to public health conditions.


Affected by the COVID-19 pandemic?

We're here to help. 

Visit westshorebank.com/relief for more information on the following relief programs:

  • 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 Loan Payments: For West Shore Bank business borrowers that have been forced to temporarily close, are reducing services in response to the COVID-19 pandemic, or are experiencing residual impact on their business as a result of the pandemic, a variety of relief programs are available, including payment deferrals up to 90 days.  Please contact your Business Banker to discuss the best solution for your circumstance. 

  • ATM Fee Refunds: Effective March 9 through May 8, 2020, any ATM fee incurred using a non-West Shore Bank ATM, up to $7.00 per statement cycle, will be refunded and will appear as a credit on the last day of your account statement. 

  • 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.


While our lobbies will be inaccessible, there are various ways you can stay in touch with us as we offer many options to serve your banking needs.

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 Boxes

Our drive up services will 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 will be monitoring them and posting 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]. If you are unable to conduct your banking needs online or over the phone due to technological reasons, you may reach out to us to schedule an appointment.  Access to Safe Deposit Boxes will be available by appointment only.

 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 at westshorebank.com. 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 Coronavirus, 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.

State of Michigan Executive Order 2020-21: Effective 3/24 – 4/13/20

Stay Home. Stay Safe. Save Lives.

Michigan COVID-19 website

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

CDC travel information and precautions, including travel warnings, advisories, alerts  

World Health Organization webpage