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Checking & MMDAs
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CHECKING & MMDAs


Western E-Direct
  • $100 Minimum to Open
  • Unlimited Debit Card transactions
  • Electronic Statements Required
  • Check Images Online Only
  • No Monthly Service Charge
  • Free Online Banking & Bill Pay
  • No Paper Check Writing Capabilities

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Western Direct Checking
  • $100 Minimum to Open
  • Unlimited Check-writing
  • Electronic or Paper Statement
  • Check Images Online Only
  • Flat service fee of $4.50 per month (waived If combined daily balance in all linked accounts is greater than $1,500)
  • Free Online Banking
  • & Bill Pay

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Old West Checking
  • $100 Minimum to Open
  • Unlimited Check-writing
  • Electronic or Paper Statement
  • Check Images included in statement
  • Flat service fee of $7.50 per month (waived If combined daily balance in all linked accounts is greater than $2,500)
  • Free Online Banking & Bill Pay

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Western Silver (55 and over)
  • $100 Minimum to Open
  • Unlimited Check-writing
  • Electronic or Paper Statement
  • Check Images included in statement
  • Flat service fee of $3 per month (waived If combined daily balance in all linked accounts is greater than $2,500)
  • Free Online Banking & Bill Pay

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NOW Plus
  • $750 Minimum to Open
  • Interest Paid Monthly on daily balance
  • 20 debits (checks & electronic) per month, thereafter, $.45 each.
  • Electronic or Paper Statement
  • Check Images included in statement
  • Flat service fee of $8 per month (waived If combined daily balance in all linked accounts is greater than $2,500)
  • Free Online Banking & Bill Pay

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Western Gold Money Market
  • $1,500 Minimum to Open
  • Interest Paid on Tiered Daily Balance.
  • This account pays higher interest rates for higher balances.
  • Rates are subject to change daily, and interest is paid monthly.
  • Electronic or Paper Statement
  • Check Images included in statement
  • Flat service fee of $12 per month (waived If combined daily balance in all linked accounts is greater than $2,500)
  • Federal Regulations limit the number of transactions on money market accounts to six (6) per month which include preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, debit cards and similar transactions. Each transaction over six (6) will incur a charge of $5.00.
  • Free Online Banking & Bill Pay

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SAVINGS


Individual Savings
  • Interest calculated on daily balance and paid monthly
  • $3.00 monthly service charge waived if a daily balance of $100.00 is maintained
  • Three free withdrawals per month, thereafter, $3.00 each

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Student Savings
  • Special minimum balance considerations given to minors.
  • Interest calculated on daily balance and paid monthly
  • Three free withdrawals per month, thereafter, $3.00 each

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HEALTH SAVINGS ACCOUNTS



  • $100 minimum to open if by check
  • $0 minimum to open if by direct deposit
  • Interest paid on tiered daily balance. This account pays higher interest rates for higher balances. Rates are subject to change daily and interest is paid monthly.
  • No monthly service charges if the daily balance is above $500.
  • If the daily balance falls below $500 a service charge will apply.
  • Transactions are limited to six (6) per month. Each transaction over six will incur a charge of $3.00.
  • Unlimited debit card usage if qualify.

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CERTIFICATE OF DEPOSITS


  • $1,000.00 minimum to open
  • Terms up to 5 years
  • Early withdrawal penalties may apply
  • Rates subject to change daily

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INDIVIDUAL RETIREMENT ACCOUNTS

  • A variable rate open account time deposit that changes interest rates every 18 months
  • Interest is compounded annually.
  • Transaction and account closing fees may apply

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ATM/DEBIT CARDS

ATM Cards
  • No annual fee
  • Member of the Pulse and Cirrus networks
  • Allows access to your Western Bank accounts from ATM locations worldwide

Debit Cards

  • NEW!!   Instant Issue Come in and get a Debit card in minutes!
  • NEW!!   Custom Debit Cards
  • Accepted everywhere MasterCard is accepted (including ATMs)
  • Use as credit or debit, either way the money comes right out of your checking account
  • No annual fee
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