One Bank for Your Life — and/or Your Business
From your first checking account to your growing business and long‑term wealth,
West Shore Bank supports your entire financial journey under one roof.
Welcome to West Shore Bank
One Relationship
Your banker understands both your household and your business — so advice is more informed and more personal.
One Financial Picture
See, manage, and plan across accounts with tools that help you understand your full financial life.
One Long‑term Partner
As your family grows or your business evolves, you don’t need to start over with a new bank.
Reward Banking
Don’t settle for an ordinary checking account. Upgrade to Shoreline Checking—earn competitive rates on qualifying balances and cash back on everyday purchases.
Helping Homeowners
Whether it’s your first home or your next one — and whether you’re self‑employed or salaried — our local lenders understand your full financial picture.
Saving Effortlessly
Savings Center helps you reach your financial goals with ease.
Whether it’s a new car, your next big trip, or your child’s education,
we're here to help you reach your goals effortlessly.
Whether it’s a new car, your next big trip, or your child’s education,
we're here to help you reach your goals effortlessly.
Building Wealth
Smart, long-term strategies for individuals, families, and business owners—so your money works as hard as you do.
Funding Business
We support business owners at every stage—whether it’s equipment financing, lines of credit, or larger capital and real estate needs.
Digital Banking
Digital banking at West Shore Bank is easy to use, saves you time, and gives you more control over your accounts, budget, and financial goals.
Tied to the communities we serve.
As a community bank, it’s a non-stop 24/7, 365 – you can never give up process to continue to build and support the communities in which we live and work. We achieve that through strong community partnerships, generous donations, and pouring time and energy into on-going efforts that support various causes.
Build the life you dreamed of...
Saving doesn't have to be hard. In fact, most Americans say they want to save more but aren't sure where to start. Whether you're starting small or aiming big, the Saving Center helps you take the first step with confidence. Set a goal, stay on track and reach your goals.
General Questions
Are my West Shore Bank accounts FDIC insured?
Yes. As of January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, are insured by the FDIC up to the standard maximum deposit insurance amount of $250,000 for each deposit insurance ownership category.
Can I make a deposit to my West Shore Bank account remotely?
Deposits are accepted remotely via direct deposit, West Shore Bank ATMs, ACH (Automated Clearing House) transactions or by a smartphone using our mobile deposit service offered through our WSB Touch app. Call 231-845-3500 or toll-free (888) 295-4373 for additional details.
Can I open an account if I don't live in the United States? What if I live in the United States but not a citizen yet?
With proper identification, we may be able to open an account for you. Call our Customer Service Center (231) 845-3500 or toll-free (888) 295-4373 for additional assistance.
Does West Shore Bank have safe deposit boxes?
Yes. Safe deposit boxes are available at both Ludington locations, Scottville, Manistee-Parkdale, Onekama and Frankfort. To check availability and pricing, please contact our Customer Service Center at (888) 295-4373.
Does West Shore Bank offer foreign currency, foreign drafts and can you wire transfer overseas?
West Shore Bank is able to purchase foreign currency on your behalf with delivery usually in four to five business days for common currencies; others can take up to two weeks. Stop by any West Shore Bank branch location to place an order or call our Customer Service Center at (231) 845-3500 or (888) 295-4373 for additional details.
Foreign drafts (payable in US dollars or a foreign currency) are available as well as wire transfers, either in US Dollars or a foreign currency to another country.
How can I contact the bank?
You can call our customer service center at 231-845-3500 or toll-free at (888) 295-4373. Visit our Locations listing for phone numbers, locations and hours for any of our full-service offices and “QuickCash” ATM locations.
Is West Shore Bank independently owned?
Yes. West Shore Bank is an independent, locally owned and managed community bank. We have been committed to making the region a strong, vibrant place to live and work since 1898.
My address has changed. How do I tell the bank?
To change your address, you can fill out a Change of Address form at any of our branch locations. Or you may call our Customer Service Center at 231-845-3500 or (888) 295-4373.
If you are an Online Banking user, you may start the process by requesting a Change of Address after logging into Online Banking and sending a secure message.
For your security, we will need to ask a few verification questions if the request is not made in person.
What days are considered "Business Days"?
Saturdays, Sundays, and federal holidays that fall on a weekday are not business days.
What information is required to receive a wire transfer?
A wire transfer is an electronic transfer of funds between financial institutions. You must provide the following information to the originator of the wire:
- Bank Name: West Shore Bank
- City/State: Ludington, MI
- Routing Transit Number: 072408290
- Account Number: Your West Shore Bank account number (including leading zeros)
- Account Title: The name or title of the account as it appears on your bank statement
The fees for incoming and outgoing wire transfers vary depending on the financial institution and location the wire is going to or coming from. If you are sending overseas wires, foreign currency wire transfers are available. For assistance with wire transfers, call our Customer Service Center at (231) 845-3500 or (888) 295-4373 during our regular business hours.
How do I find your current personal and business account disclosures?
Account specific disclosures are provided at the time of account opening. More general disclosures are linked below:
Deposit Questions
How do I set up Direct Deposit of my social security or payroll check?
Social Security, US Government, and many payroll and pension checks can be automatically deposited into your West Shore Bank checking or savings account. If your employer offers direct deposit, simply provide them with your account number and West Shore Bank's routing and transit number. Your direct deposit will usually begin within thirty days. For direct deposit of your Social Security check, simply call or visit any West Shore Bank location. And have your Social Security number and account information available.
If I make a deposit or withdrawal today, when will it appear in my account?
Deposits and withdrawals will be applied the same business day. A business day is considered Monday through Friday, excluding holidays. Saturday deposits and withdrawals would appear on the following business day.
Savings Questions
What is my EE, I, or HH US Government Savings Bond currently worth?
For an interest and value calculator for your government savings bonds, go to www.savingsbonds.gov.
What is the minimum amount required to open a CD?
The minimum deposit to open a Certificate of Deposit is $500.
What is the minimum amount required to open a savings account?
You can open a West Shore Bank savings account with $100. The quarterly service charge is $5 unless the $100 minimum daily account balance is maintained. The service charge is also waived for children under the age of 18.
ATM/Debit Card Questions
Are there any restrictions on my debit card transactions?
Some transactions may be restricted on purchases of gift cards. Please contact our Customer Service Center at (888) 295-4373 during banking hours if you have any questions.
Can I make a loan payment at a Quickcash ATM?
No. Only checking and savings accounts can be attached to a debit or ATM card. To make a loan payment outside of business hours, place the loan payment coupon with your payment into an envelope and place the envelope into the night deposit drop box. We will process the payment during the next business day and send you a receipt.
How long does it take for my debit card purchase to be deducted from my checking account?
If you used your PIN to authorize the transaction, the amount is deducted immediately from your checking account and the purchase details will typically appear in your account the next business day. For signature-based, Internet, and phone transactions, the funds are held immediately (so they’re not available for withdrawal) and the transaction details will appear in your account usually within one to three business days. Internet and phone transactions might not appear in your account until after your order ships.
How long will it take to get a new or replacement ATM/Debit card?
Card orders are processed daily. You should receive your new card within 10 days. Cards are mailed in plain white envelopes. If it has been longer than two weeks since you ordered your new card, please contact us immediately at (231) 845-3500 or (888) 295-4373.
How much cash per day can I withdraw from an ATM?
Daily limits vary by card. To verify your daily limit, check the ATM/Debit card disclosure you received at the time of application or call our Customer Service Center at (231) 845-3500 or call toll-free (888) 295-4373.
I forgot my PIN for my ATM/Debit card. What should I do?
If you forgot your PIN for your ATM/Debit card, call our Self-Service Center at (888) 295-4373. After answering personal security questions, you will be able to set up a new PIN for your card.
I lost my ATM/Debit card. What should I do?
Immediately call to report your lost or stolen ATM/Debit card to our Customer Service Center at (231) 845-3500 or (888) 295-4373.
If you lost your card outside of our regular business hours, call (888) 297-3416 immediately upon learning your card is missing to report the loss. This will immediately block any further transactions on the card. On the next business day, contact West Shore Bank to report the loss and order a new card.
I received a call from the fraud prevention center. Is it legitimate?
We understand your caution. West Shore Bank does have a Fraud Prevention Center that will call you if we detect unusual or suspicious activity on your debit card that might indicate fraud. If you receive a message from the Fraud Prevention Center, or if you would like to verify that a call you received was legitimate, please call back at (855) 293-2456.
What is the cut-off time for my ATM deposit?
Your deposit made before 3:00 pm at a West Shore Bank QuickCash ATM will be credited that business day.
Where can I find West Shore Bank ATMs?
Our QuickCash ATMs are located at the following branches: Ludington Downtown, Ludington-East, Manistee-Parkdale, Manistee-South, Scottville, Hart, Frankfort, Onekama and Traverse City. Additionally, you can find QuickCash ATMs in Fountain and at West Shore Community College’s Schoenherr Campus Center.
Where can I use my West Shore Bank debit card?
Your West Shore Bank debit card can be used as both an ATM card and as an electronic means of paying from your checking account. When you use it to access your funds at ATMs or make purchases at any participating Mastercard® location, the funds will be automatically deducted from your checking account.
Will my debit card work in all states and countries when I travel?
To protect your accounts from fraudulent activity, West Shore Bank does block all debit card transactions outside of the United States. We can temporarily unblock your debit card for transactions while you are traveling abroad. Please contact West Shore Bank’s Customer Service Center at (231) 845-3500 or (888) 295-4373 to make this request, providing us with your specific travel dates.
We also offer Mastercard® gift cards that can be used while traveling.