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?
- 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 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.
* 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 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.
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.
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 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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