Enjoy more from your checking account with tiered interest and added perks.
Interest Secure Checking
.jpg)
Receive all of the great benefits of Simple Secure Checking, but even more banking benefits.
Get more from your checking with tiered interest, ID theft protection, cell phone protection2 and more.
Key Features
What is a Interest Secure Checking Account?
- Checking that pays competitive interest on balances of $1,000 or more
- Tiered interest, rewarding larger balances with higher rates
- Includes a variety of added perks
- Low monthly service fee of $10, waived if you have one of the following qualifier:
- Average daily balance of $10,000 or $25,000 in combined deposits (personal checking, savings and CD's)
- Free digital banking services6
- Free ATM/debit card with Extra Awards®
- $100 minimum deposit to open
- Free e-statements ($3 monthly fee for paper statements)
Benefits of a Interest Secure Checking Account
Enjoy the benefits and rewards of interest checking:
- IDPROTECT® – identity theft monitoring and resolution service for you and your joint account owners1
- Single Bureau Credit File Monitoring** – daily credit file monitoring and automated alerts of key changes to your Experian credit report.
- Identity Monitoring** – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified.
- Credit Report – ability to request a single bureau credit report every six months or upon opening a resolution case.
- Credit Score**,3 – ability to request a single bureau credit score every month.
- Credit Score Tracker – Receive valuable insight into your credit score.3,4
- Up to $1,000,000 Identity Theft Expense Reimbursement Coverage2 – to cover expenses associated with restoring your identity.
- Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case who will work with you until your identity is restored.
- Debit and Credit Card Registration** - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.
- Dark Web Monitoring** – monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring.
- Financial Wellness 360°– Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness (available via West Shore Bank Online or Mobile banking and at westshorebank.clubchecking.com only).
- Accidental Death & Dismemberment Insurance2
- Cellular Telephone Protection2 – Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad.
- Debit Advantage® – Buyer’s Protection2 and Extended Warranty2
- Travel and Leisure Discount – (available via West Shore Online banking and at westshorebank.clubchecking.com)
- Health Discount Savings – (This is NOT insurance)
- $hopping RewardsTM – (available via West Shore Online banking and at westshorebank.clubchecking.com)
- Telehealth*,5 - Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family – all with zero copays.
- Roadside Assistance Service2 – 24-hour coverage for roadside assistance.
- Rideshare Protection2 – Coverage while traveling in a vehicle operated by a Transportation Network Company (Not available to residents of MO, NY, or WA).
**Registration/activation required
1 Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, organizations, and/or churches and their members, or schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary account holder (Fiduciary is not covered).
2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents are enclosed and can be found online at westshorebank.clubchecking.com. If you wish to name a beneficiary for your accidental death and dismemberment insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible accountholder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit westshorebank.clubchecking.com or call 866-210-0361. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.
3 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
4 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
5Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
6Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
FAQs
What are the benefits of opening an Interest Secure Checking Account with West Shore Bank?
By choosing an Interest Secure Checking Account at West Shore Bank, you can enjoy tiered interest rates on balances of $1,000 or more, ID theft protection, and cell phone protection, among other perks. Plus, you benefit from free digital banking services and a contactless debit card with rewards, ensuring your banking experience is both rewarding and convenient.
How do I qualify for the monthly service fee waiver on my Interest Secure Checking Account
To avoid the $10 monthly service fee on your Interest Secure Checking Account, simply maintain an average daily balance of $10,000 or have combined deposits of $25,000 across your personal checking, savings, and CDs. It’s a straightforward way to manage your banking costs!
What is IDPROTECT® and how does it benefit me?
IDPROTECT® is our identity theft monitoring and resolution service that provides peace of mind for you and your joint account owners. It includes daily credit file monitoring, alerts for suspicious activity, and access to a dedicated fraud specialist, ensuring you have the support you need in case of identity theft.
Can I access my Interest Secure Checking Account online?
Absolutely! Our Interest Secure Checking Account includes free digital banking services, allowing you to manage your finances online or via our mobile app. You can check balances, transfer funds, and pay bills conveniently from anywhere.
What perks come with the debit card associated with my Interest Secure Checking Account?
With your Interest Secure Checking Account, you receive a contactless debit card that offers rewards through our Extra Awards® program. You can earn points on your purchases, making every transaction more rewarding!
What happens if I need to access my credit report or credit score?
As an Interest Secure Checking Account holder, you can request a single bureau credit report every six months and check your credit score monthly. This service helps you stay informed about your credit status and make better financial decisions.
Is there a minimum deposit required to open an Interest Secure Checking account?
Yes, you need a minimum deposit of $100 to open an Interest Secure Checking Account. This initial deposit helps you start earning interest and enjoying all the benefits that come with your account.
What support does West Shore Bank provide for financial wellness?
West Shore Bank offers a comprehensive Financial Wellness 360° platform, providing you with unlimited one-on-one coaching, interactive courses, and resources to help enhance your financial literacy and wellness. We’re here to support your financial journey!
How can I monitor my personal information for security?
Our Interest Secure Checking Account includes Dark Web Monitoring, which alerts you if your personal information is found on the dark web. This proactive measure helps protect your identity and gives you peace of mind.
Are there any fees or paper statements for my Interest Secure Checking account?
Yes, there is a $3 monthly fee for paper statements. However, you can avoid this fee by opting for free e-statements, which are both eco-friendly and convenient!
How can I contact West Shore Bank for more infomation?
You can reach out to us by chat within digital banking or by calling (888) 295-4373 for assistance or visit our local branch in Ludington for personalized service. Our team is here to help you with all your banking inquiries.
Put more away for a rainy day.
Take advantage of our special Money Market Savings Account, with a 6-month introductory rate and Annual Percentage Yield for a limited time.