Features & Benefits
Convenience comes standard
Our personal checking accounts come with the features and benefits that add a better level of convenience and peace of mind when it comes to managing your finances.
- Personalized Mastercard Debit Card
- Mastercard-backed cardholder benefits
- Western Bank’s free mobile banking app
- Person-to-person payments with Zelle®
- Peace of mind with Overdraft Coverage Options
- 24-hour online banking access
- Free online Bill Pay
- Email and text alerts
- 12 months of e-Statement and notice history
Ready to make the switch?
We’re here to make the switch as easy as possible. Our Switch Kit is a helpful downloadable PDF document with instructions, suggestions, and tips to help make the process as smooth as possible.
“We Mean Simple” Checking
Our newest personal account designed with simplicity and great features in mind.
No Minimum Balance to Avoid a Service Charge
Unlimited Transactions
eStatements and eNotices
Personalized MasterCard Debit Card
Overdraft Privilege
Online Banking, Mobile Banking and Mobile Check Deposit
Western Basic Checking
Get started, stay balanced, or just simplify your daily money matters with a Western Basic Checking account.
$500 Minimum Balance to Avoid a Service Charge
Unlimited Transactions
eStatements and eNotices
Personalized MasterCard Debit Card
Overdraft Privilege
Online Banking, Mobile Banking and Mobile Check Deposit
Western Club Checking
Club checking offers everything that comes standard with our basic account, plus additional features to power up your daily finances.
No Minimum Balance to Avoid a Service Charge
Unlimited Transactions
eStatements and eNotices
Discounts, Member Benefits (e.g. Life Insurance)
Personalized MasterCard Debit Card
Overdraft Privilege
Online Banking, Mobile Banking and Mobile Check Deposit
Western Rewards Checking
Earn more on your balance. This interest-bearing checking account lets you earn big for routine account and feature use.
1.51% APY* on balances up to $50,000 (1.26% APY on balances > $50,000)
No Monthly Minimum Balance Requirements
Unlimited Transactions
eStatements and eNotices
Personalized MasterCard Debit Card
Overdraft Privilege
ATM fee reimbursements
Online Banking, Mobile Banking and Mobile Check Deposit
Western NOW Checking
Your money should work for you, not the other way around. Get all the tools to manage your daily finances, plus interest.
$1,000 Minimum Balance to Avoid a Service Charge
Earn Interest
Unlimited Transactions
eStatements and eNotices
Personalized MasterCard Debit Card
Overdraft Privilege
Online Banking, Mobile Banking and Mobile Check Deposit
Compare Accounts
| "We Mean Simple" Checking | Western Basic Checking | Western Club Checking | Western Rewards Checking | Western NOW Checking | |
|---|---|---|---|---|---|
| Interest | 1.51% APY* | .10% APY* | |||
| Minimum Balance | $500 | $1000 | |||
| Opening Deposit | $100 | $100 | $100 | $100 | $100 |
| Overdraft Privilege | |||||
| E-statements/E-notices | |||||
| Online Banking | |||||
| Mobile Banking | |||||
| Mobile Check Deposit | |||||
| ATM Fee Reimbursements | |||||
| Free Mastercard® Debit Card | |||||
| Account Terms & Requirements | Must maintain at least (1) active debit card tied to this account Must enroll/receive electronic statements in lieu of paper statements for the life of this account |
$5 Monthly Service Charge A service charge fee of $5.00 will be imposed any statement cycle in which the daily balance on any day of the statement cycle falls below $500.00. This can be waived for customers who meet one of the following requirements:
|
$6 Monthly Service Charge | 1 direct deposit or automatic payment (ACH) 20 debit card transactions Enroll in E-statements Enroll in Online Banking *APY=Annual Percentage Yield. Qualified cycle means a period beginning one business day prior to the first of the current statement cycle through one business day prior to the close of the current statement cycle. If requirements are not met, account balances will earn .15% APY and charged a $5.00 service charge. Annual Percentage Yield (APY) is subject to change without notice. Fees may reduce earnings on the account. Personal accounts only. Transfers between accounts do not count as a qualifying transaction. ATM fees refunded up to $20 per statement cycle. |
$10 Monthly Service Charge *APY=Annual Percentage Yield. A service charge fee of $10.00 will be imposed any statement cycle in which the daily balance on any day of the statement cycle falls below $1,000.00. |
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