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When you bank with West Shore Bank, you get more than just an account or a loan–check out all the convenient services we offer to our customers. If you’re looking for quality service with a personalized touch, we are your community bank in Northern Michigan and West Michigan. It’s easy to open a new account online or you can visit one of our nine locations along the lakeshore from Hart to Traverse City.

Direct Deposit

Automatically deposit your payroll, pension, Social Security, or U.S. government check into your West Shore Bank checking or savings account. This means fewer trips to the bank, prompt deposits even if you’re out of town, and no possibility of lost, stolen, or forged checks.

Combined Statements

It's easy to combine your monthly activity statements from your checking, savings, loan and CD accounts into one simple and convenient monthly statement.

Benefits to enrolling in combined statements:

  • Streamline record keeping
  • Reduce the risk of identity theft
  • Eliminate multiple statements
  • Minimize paper clutter

In order to combine your statements you must have:

  • More than one account with West Shore Bank (checking, savings, CD)
  • The exact name and address on all the accounts you wish to combine

Combined statements are available for both paper statements and eStatements for no additional charge. Statement cycles are determined by the lead account (typically your checking account).

Want to combine your statements? Call us at 231-845-3500 or 888-295-4373, or stop by any of our branch locations and we'll be happy to set up your statements.

Overdraft Protection

West Shore Bank offers two types of overdraft protection for your convenience: 

  • EasyMoney Line of Credit1

Your EasyMoney Line of Credit is available for you to use anytime and provides valuable protection from an overdraft, ensuring all of your checks will be honored. Payments are automatically deducted from your checking account each month for ease and convenience. Interest is lower than most credit cards and there’s just a small annual fee. 

  • Savings Overdraft Transfer

Protect your account from overdrafts by automatically transferring funds from your West Shore Bank savings account when you need them.

Overdraft Protection Terms and Conditions 

1Credit approval required. 

ATM/Debit Cards

This card doubles as an ATM card and an electronic checkbook. Use it to access your accounts at an ATM and make purchases at any of the 14 million locations worldwide that accept Mastercard®. And just like a check, the money is deducted from your checking account, rather than charging it like a credit card. 

Credit Cards

Do you pay off your entire credit card bill each month or do you carry a balance? Do you need a card for business travel or personal convenience? However you use credit, West Shore Bank offers a variety of options with the features you want. Learn more.

Gift & Travel Cards

Give the only gift that never gets returned, a gift card, or purchase a travel card for ease and safety when you are traveling. They are available at any branch and are accepted wherever you see the Mastercard® logo.

Safe Deposit Boxes

Where do you keep important legal documents, insurance policies or family keepsakes? A West Shore Bank safe deposit box can store your valuables or important papers and are available in a variety of sizes. Each rents for a small annual fee and are accessible at several offices. 

Savings Bonds

The Bureau of the Public Debt announced that as of January 1, 2012, paper savings bonds will no longer be sold at financial institutions. This action, which supports the U.S. Department of the Treasury's goal to increase the number of electronic transactions with citizens and businesses, will save American taxpayers approximately $70 million over the first five years.

You can however, purchase bonds directly from the U.S. Treasury. Go to the Treasury's website to learn about purchasing savings bonds:

West Shore Bank is happy to redeem Savings Bonds up to any dollar amount for customers and up to $1000 for non-customers.

TeleBank Phone Banking

Access your accounts 24/7 from any touch-tone telephone. Confirm balances, transfer funds, stop payments and more. Best of all, it’s free.

To get started, call (800) 757-0662. In order to verify your identity, the first time you call in you'll be asked to enter your account number followed by your social security number.  This is the only time you'll be asked to enter your social security number.

To learn more, download our guides in convenient PDF format:

Wire Transfers

With West Shore Bank’s wire transfer service, you can send money across the country or around the world quickly, reliably and securely. Funds can be transferred to a specified account at another financial institution — usually within the same day.