Simple Secure Checking
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Secure your account with identity theft protection.
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Key Features
What is a Simple Secure Checking Account?
- Value-added checking with plenty of perks
- 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
- $50 minimum deposit to open
- No minimum balance requirements
- Free digital banking services6
- Free ATM/debit card with Extra Awards®
- Free e-statements ($3 monthly fee for paper statements)
Simple Secure Checking Account benefits and rewards
- 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 $10,000 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 $600 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*,5Access 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.
Open a Simple Secure Checking Account
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 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 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 accountholder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
Simple Checking Sweepstakes Terms & Conditions
This promotion is subject to all applicable federal, state and local laws and IRS regulations and is void where prohibited. This promotion shall be governed by and construed in accordance with the laws of the State of Michigan. All participants agree to these terms and conditions by participating in this promotion.
No purchase is necessary to win, and making a purchase will not improve the chance of winning. The promotion is open only to legal residents of the fifty (50) United States and the State of Michigan who are 18 years of age or older. Void where prohibited by law. Employees, directors and officers, and their immediate families (spouse, parents, children, siblings, and their respective spouses, regardless of where they reside), and their respective household members, whether or not related, of West Shore Bank, and affiliated companies are not eligible to enter. The Contest is subject to all applicable federal, state, and local laws and regulations.
- Automatic Entry: One entry into the drawing automatically occurs upon opening a new qualifying Simple Secure or Interest Secure Checking account at West Shore Bank and having at least 20 qualifying transactions (i.e. ACH deposit/withdraw, debit card purchase, mobile deposit) within 90 days of account opening and keeping your account open for 90 days to be entered into a drawing for a chance to win a $100 Amazon gift card.
- To enter without purchase, send a 3” x 5” card with your name, mailing address, and phone number clearly and legibly written on it to Secure Checking Promo (retail value $100) Checking Contest, West Shore Bank, 400 E. Eighth Street, Traverse City, MI 49685. Mail-in entries must be postmarked by one of the following dates: May 15, 2025 and received by the third business day following that date to be eligible.
There is a limit of one entry per person and mail-in entries must be sent in a postmarked, stamped envelope. Entrants may enter only by using one of the entry methods described in these rules. Entries mechanically reproduced, copied, illegible, incomplete, or inaccurate are void. Entries become the property of West Shore Bank and will not be acknowledged or returned. No purchase is necessary to enter or win. A purchase will not increase your chances of winning.
The promotion entry period begins at the start of business on Thursday, May 1, 2025, and ends at the close of business on Sunday, June 1, 2025. Available prizes include (1) $100 Amazon gift cards. This prize will be announced on September 2, 2025 and awarded by October 1, 2025. Actual odds of winning a prize will depend upon the total number of eligible entries received during the promotion entry period.
Random drawings from all entries received during the promotion entry period will be held on September 2, 2025. They will be conducted under the auspices of West Shore Bank, the contest sponsor, whose decisions are final and binding on matters relating to this promotion. West Shore Bank will notify the winners by U.S. mail and/or telephone immediately following the drawing.
All prizes must be picked up by winners, at their expense, at their closest banking location at which they are awarded within 30 days of notification that a prize has been won. Valid photo identification will be required to claim all prizes. Unless other arrangements are made, any prizes that are not claimed during the specified period will not be awarded and will be retained by the bank for further disposition as it sees fit. The winner will be notified by a traceable method of delivery and, where required, will need to sign for the delivery.
All prizes are awarded on an as-is, where-is basis. Excepting the choice of color and case size as described in the “Prizes” paragraph above, no substitutions are permitted except when an item is no longer available from the manufacturer or vendor. In such cases, the bank reserves the right to substitute an item with an equivalent retail value. Any expenses related to the acceptance or use of a prize are the sole responsibility of the recipient. This includes but is not limited to taxes (if applicable) and to any expenses associated with pick-up/delivery, ownership and use of the prize.
Except where prohibited law, all issues concerning the construction, validity, and enforcement of the promotion rules, or the rights and obligations of the participants and West Shore Bank, shall be construed and governed by the laws of the state of Michigan without regard to conflicts of law. All suites or claims brought in connection with the promotion must be brought in a state or federal court in Michigan. Taxes and fees, if any, are the sole responsibility of the winner. By entering the promotion, participants fully and unconditionally agree to the bound by these official rules and the decisions of West Shore Bank, which will be final and binding on all matters relating to the promotion, and warrant that (s)he is eligible to participate in the promotion. West Shore Bank reserves the right to disqualify any participant if the promotional rules are not followed.
Each participant agrees, except where prohibited by law, to release and discharge, hold harmless, and indemnify West Shore Bank, their employees, agents and representatives, officers and directors and their immediate families, successors and assigns, and all other associated with the development and execution of the promotion, from any and all tax liability that may be imposed or associated with receipt or use of the prize, and from and against any and all claims, actions, proceedings, and liability for damages, expenses, fees, injury, or losses sustained in connect with the receipt, ownership, use, or misuse of the prize or while traveling to, preparing for, or participating in any promotion-related activity.
Except where prohibited by law, by participating in the promotion, participants grant to West Shore Bank the right to publicize the participant’s name, photograph, image, likeness, voice, statements, and biographical information in all manner and media worldwide, in perpetuity, for advertising, trade, and promotion purposes without compensation and without the opportunity to review.
West Shore Bank, its employees, agents and representatives, officers and directors and their immediate families, successors and assigns, and all others associated with the development and execution of the promotion shall have no responsibility or liability for (i) any incorrect or inaccurate information, whether caused by the participants, printing errors, or by any of the equipment or programming associated with or utilized in a promotion; )ii) technical failures of any kind, including but not limited to, malfunctions, interruptions, or disconnections in telephone network or network hard or software; (iii) unauthorized human intervention in any part of the entry process of the promotion; (iv) technical human error which may occur in the administration of the promotion; or (v) failed, incomplete, garbled, jumbled, corrupted, or delayed computer transmissions which may limit an individual's ability to enter the promotion, including any injury or damage to the participants or any other person’s computer relating to or resulting from entering the promotion or downloading any materials related to the promotion.
West Shore Bank and its representatives will maintain information collected from entrants in accordance with applicable federal and state consumer privacy laws, rules, and regulations.
For a copy of these official promotional details, send a request and a self-addressed envelope to the address listed below:
West Shore Bank
Marketing Department
400 E. Eighth Street
Traverse City, MI 49685
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