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Checking
Checking

Checking

 

Essential Checking

If you want a simple, affordable, flexible checking account, Essential Checking is for you. It’s a great option if you favor using your debit card.

Reward Me Checking

Why not earn interest on your checking account by taking advantage of Reward Me Checking? This is a good choice if you use your debit card regularly and want to be rewarded for the balance you keep in your account.

Loyalty Checking

For customers who keep higher balances, Loyalty Checking is a premium account we’ve designed for our most loyal customers. If you have multiple accounts with us and are interested in free paper statements, premium CD rates and more, Loyalty Checking is the perfect checking account for you. 

Everyone’s checking needs are a little different. That’s why West Bank has designed checking accounts with the features and benefits that are important to you.

Apply Online, stop by one of our full-service branches or give us a call at 515-222-2300 or toll-free at 1-800-810-2301.

 

 Essential CheckingReward Me CheckingLoyalty Checking

Minimum Opening Deposit

$100

$100

$100

Monthly Service Charge

$5 if account requirements not met

$10 if account requirements not met

$15 if account requirements not met

Account Requirements

• 15 point-of-sale debit card transactions

• Point-of-sale transactions totaling at least $300

 

• Have a balance of at least $1,500

• 15 point-of-sale debit card transactions

• Point-of-sale transactions totaling at least $300

 

• Have a balance of at least $5,000    OR

• Have a combined relationship deposit balance of at least $25,000 in qualifying accounts

 

Interest Bearing

 

No

Yes, when requirements are met, earn a premium interest rate on collected balances up to $29,999.99 and a competitive interest rate on collected balances over $30,000

Yes, interest is paid based on tiers

Online Banking

Yes

Yes

Yes

Bill Pay

Yes

Yes

Yes

Statements

Free eStatement 

$3 Paper Statement

Free eStatement 

$3 Paper Statement

Free eStatement

Free Paper Statement

Telephone Banking

Yes

Yes

Yes

Mobile Banking

Yes

Yes

Yes

Mobile Deposit

Yes

Yes

Yes

Unlimited Check Writing

No, 15 checks free each monthly statement cycle, then $0.35 each if account requirements not met

Yes

Yes

West Bank ATM

Free

Free

Free

Non-West Bank ATM

4 free, then $1.50 each

4 free, then $1.50 each

4 free, then $1.50 each

Additional Features

Monthly service charge is waived for primary  account owners under the age of 25

• No monthly service charge with a balance of at least $30,000

• Earn minimal interest even if you do not meet the requirements

Free official checks and money orders, premium CD rates, free check imaging with statement

 

Please ask to see our Truth in Savings disclosures for full account details.

 

Worried about overdraft fees? 
That’s why we offer Overdraft Protection. It’s an easy and convenient way to give yourself peace of mind.

 

Current rates are available by calling West Bank at 515-222-2300 or 1-800-810-2301.

 

Account Agreement Terms and Conditions

Service Fee schedule