Options for the simplest of needs or the most demanding lifestyle.

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.

Download Our Switch Kit

Personal Checking Mobile Banking

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 Privileges
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 Privileges
Online Banking, Mobile Banking and Mobile Remote Deposit Capture

Western Rewards Checking

Earn more on your balance. This interest-bearing checking account lets you earn big for routine account and feature use.

.35% APY* on balances up to $50,000 (.05% 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 Remote Deposit Capture

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 Privileges
Online Banking, Mobile Banking and Mobile Remote Deposit Capture

Compare Accounts

Western Basic Checking Western Club Checking Western Rewards Checking Western NOW Checking
Interest .35% APY* .10% APY*
Minimum Balance $500 $1000
Opening Deposit $100 $100 $100 $100
Overdraft Privileges
E-statements/E-notices
Online Banking
Mobile Banking
Mobile Check Deposit
ATM Fee Reimbursements
Free Mastercard® Debit Card
Account Terms & Requirements $5 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:

  • Teach or currently employed by a school
  • Student
  • Active or retired military
  • Current first responder
  • Current government employee

$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 .05% 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 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.

Complete your relationship.

Discover additional personal banking products designed to help you grow.

Personal Loans

Money you need at low rates for manageable borrowing.

Personal Savings

Convenient accounts designed for any savings strategy.

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