Checking account perks don’t have to cost more—as a matter of fact, you can make this account cost less by meeting the simple qualifiers.
Simple Secure Checking
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Secure your account with identity theft protection.
Enjoy the simplicity and security of a checking account with the benefits you’re looking for.
Key Features
What is a Simple Secure Checking Account?
- $50 minimum deposit to open
- Free Debit Card
- Free e-Statements ($3 monthly fee for paper statements)
- Free Digital Banking**
- Free Bill Pay
- No Fee Credit Score on My Financial Health dashboard card in digital banking
- Free Checks (1 box/year)
- Up to $7 in non-West Shore Bank ATM fees per statement cycle
- Low Monthly fee of $6:
- Fee reduced to $4 if primary account holder's age is under 25, or 62 and older
- Fee waived with an average daily balance of $5,000
Simple Secure Checking Account benefits and rewards
Simple Secure Checking accounts come with secure benefits:
- Identity Theft Insurance1,2
- Receive up to $1,000,000 in out-of-pocket expenses. Our identity theft reimbursement, with zero deductible, reimburses you for expenses related to identity theft restoration, including replacement of documents, traveling expenses, loss of income, child/elderly care (incurred as a result of identity restoration), and legal costs.
- Identity Restoration Services2
- Our full-service identity restoration service takes the burden off you in the event that your identity is stolen by going beyond the traditional credit report restoration. We offer a robust case knowledge of non-credit restoration including payday loans, IRS, DMV, and court records. Our identity restoration service assists with the identity restoration process by providing step-by-step instructions you can easily follow to repair and restore your identity.
- Identity Monitoring Services2*
- Dark web monitoring - We scan millions of servers, online chat rooms, message boards and websites across all sides of the web to detect fraudulent use of your personal information. We alert you instantly if your identity is compromised. Register addresses, bank accounts, credit & debit cards, date of birth, driver’s licenses, email addresses, SSN, passports and more.
- SSN Monitoring - We monitor your SSN in real-time, detecting usage across a variety of situations including loan applications, employment and healthcare records, tax filings, online documents signings and payment platforms. You will receive immediate alerts so you can proactively control your identities.
- Change of address - We help catch unauthorized changes to your current or past addresses by monitoring the National Change of Address (NCOA) database and postal service records. If a change occurs, we notify you the moment it happens.
- 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.
TERMS AND CONDITIONS:
1 Eligibility: 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 accountholder (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 Summary Description of Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Summary Description of Benefits or on the certificate of insurance. The Summary Description of Benefits and/or insurance documents can be found online at https://www.westshorebank.com/simple-secure-checking. 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.
Access to Benefits:
Primary and Joint Accountholder: Within One (1) day of account opening date, the Primary and Joint accountholder will see a new dashboard card in digital banking** titled ‘Identity Protections. If you don’t see the card, simply click the ellipsis (…) and then click Organize Dashboard to add it.
* Registration/activation required
1 Identity Theft Insurance:
1 Identity Theft Insurance:
- Limit of Insurance Aggregate Limit of Insurance:
- $ 1,000,000 per policy period
- Lost Wages: $ 1000 per week, for 5 weeks maximum
- Deductible: $ 0 per policy period
- Filing a Claim To file a claim under the Master Policy, contact: 1-866-434-3572.
- This is a group master policy issued to Identity & Credit Services. If this master policy is terminated, your benefits will cease effective that date. It is the obligation of the master policyholder to inform you of any termination of the master policy. Summary Description of Benefit with complete details of coverage and exclusions can be found at https://www.westshorebank.com/simple-secure-checking.
2 Identity Restoration Services – If you think you are the victim of identity theft, step one is to call our restoration services at 1-833-568-6249. After speaking with our specialists, you may wish to make a claim with identity theft insurance. Please download and complete the form and follow the instructions on the form to submit to the insurer.
Identity theft and fraud claim form
Program name: Identity and Credit Services
Master policy holder numbers: 7081576 and 29107024
View additional steps to take when you believe you are a victim of identity theft in the Identity Protection dashboard card under the Services tab.
Cellular Telephone Protection** – Receive up to $800 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and maximum of $1,200 per twelve month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using eligible account. Summary Description of Benefit with complete details of coverage and exclusions can be found at https://www.westshorebank.com/simple-secure-checking.) Need to file a claim? Call 1-866-295-4373 or access the claim from at https://www.westshorebank.com/simple-secure-checking.
Identity Monitoring* – Monitoring of millions of servers, online chat rooms, message boards and websites across all sides of the web to detect fraudulent use of your personal information. We alert you instantly if your identity is compromised. ACTIVATION: Registration is required to activate this benefit. You will need to enter the data you want to monitor in the Identity Protection dashboard card in digital banking.
* Registration/activation required
**Standard 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 key features of the Simple Secure Checking account at West Shore Bank?
The Simple Secure Checking Account offers a low monthly fee of $6, which can be reduced to $4 for account holders under 25 or over 62. Additionally, if you maintain an average daily balance of $5,000, the fee is waived entirely. With only a $50 minimum deposit required to open, this account also provides free digital banking services and a contactless debit card with rewards.
How can i avoid monthly fees with my Simple Secure Checking Account?
To avoid the $6 monthly fee, maintain an average daily balance of $5,000. If you're under 25 or over 62, your fee is reduced to $4. This makes it easier for you to manage your finances while enjoying the benefits of a checking account.
What identify theft protection services are included with the Simple Secure Checking account?
Your Simple Secure Checking account includes IDPROTECT®, which offers identity theft monitoring and resolution services. You'll benefit from daily credit file monitoring, identity monitoring across various databases, and a dedicated fraud specialist to assist you if your identity is compromised.
Is there a fee for paper statements with my Simple Secure Checking account?
Yes, there is a $3 monthly fee for paper statements. However, you can opt for free e-statements to keep your banking experience cost-effective and environmentally friendly.
What is the process to open a Simple Secure Checking account?
Opening a Simple Secure Checking account is easy! You can start the process online or visit your local West Shore Bank branch. Just ensure you have a minimum deposit of $50 to get started and bring identification to verify your identity.
Can I access my Simple Secure Checking account through digital banking?
Absolutely! With your Simple Secure Checking account, you have free access to digital banking services, allowing you to manage your finances anytime, anywhere. You can check your balance, transfer funds, and pay bills conveniently from your computer or mobile device.
What kind of rewards does the contactless debit card offer?
The contactless debit card that comes with your Simple Secure Checking account is part of the Extra Awards® program, allowing you to earn rewards points on your purchases. These points can be redeemed for various rewards, making your everyday spending even more rewarding!
Are there any minimum balance requirements for the Simple Secure Checking?
There are no minimum balance requirements for the Simple Secure Checking account, which means you can enjoy the flexibility of managing your funds without the pressure of maintaining a specific balance.
What should I do if my debit card is lost or stolen?
If your debit card is lost or stolen, you can quickly turn it off in digital banking using the Card Management widget. You can also call our Customer Care Team at (888) 295-4373 to cancel your card and request a replacement. Our team is ready to help you through the process.
What additional benefits are included with the Simple Secure Checking account?
In addition to identity theft protection, your Simple Secure Checking account offers features like dark web monitoring, financial wellness coaching, and access to telehealth services for urgent care. These benefits are designed to enhance your banking experience and overall security.
Is the Simple Secure Checking account available to everyone?
Yes, the Simple Secure Checking account is available to anyone who meets the basic requirements. However, benefits like identity theft protection are specifically for the account owner and joint account holders. We encourage you to reach out to us for more details!
How does West Shore Bank support the local community?
At West Shore Bank, community comes first. Serving communities from Grand Traverse County to Muskegon County and Dearborn, we proudly support local businesses and initiatives that help our region thrive. Banking with us means investing close to home.
What makes West Shore Bank a trustworthy banking option?
At West Shore Bank, your financial security is our top priority. We emphasize transparent communication and provide comprehensive support to ensure you feel confident in managing your finances. Our long-standing commitment to the community and clients demonstrates our reliability.
Can I get financial coaching with my Simple Secure Checking account?
Yes! Your Simple Secure Checking account provides access to our Financial Wellness 360° platform, which includes unlimited one-on-one coaching and various resources to help you achieve your financial goals. We're here to support you every step of the way.
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