Simple Secure Checking

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. 
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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

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Added Perks
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EMV Chip Debit Card w/Rewards

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

Simple Secure Checking accounts come with secure benefits:
  • 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 only).
  • Accidental Death & Dismemberment Insurance2
  • Cellular Telephone Protection2Receive 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
  • Health Discount Savings (This is NOT insurance)
  • $hopping RewardsTM (available via West Shore Online banking and at
  • 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

West Shore Bank has been Making a Difference Since 1898. For over a century, we have remained committed to helping the people and businesses along the lakeshore to improve their financial well-being. Bank with us in person or on the go! Visit one of our nine Michigan branches in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.

Apply now to open a simple checking account and enjoy all the digital services you want with your checking, such as digital bankingZelle®, and our MoneyTracker budgeting and financial planning tool.

* 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 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 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 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.
6Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.

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Finance Your Dreams

Whether you need affordable financing to purchase your next car or a recreational vehicle, or you’re looking for a general personal loan to use for a variety of things, West Shore Bank can help.