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CHECKING & MMDAs


Western Direct Checking
  • No monthly service charge
  • No minimum balance requirements
  • Unlimited check writing
  • Free Check Safekeeping
  • Low initial opening deposit of $100.00

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Old West Checking
  • $7.50 monthly service charge is waived if a daily balance of $750.00 is maintained.
  • Unlimited check writing
  • Check images returned with monthly statement
  • Low initial opening deposit of $100.00

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Western Silver
  • For customers aged 55 and older
  • No minimum balance requirements
  • Check images returned with monthly statement
  • Flat monthly service charge of $3.00
  • Unlimited check writing

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NOW Plus
  • $8.00 monthly service charge is waived if a daily balance of $750.00 is maintained.
  • Write up to 20 checks per month FREE, thereafter, $.25 each
  • Interest paid monthly on daily balance
  • Check images returned with monthly statement

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Western Gold Money Market
  • $12.00 monthly service charge waived if a daily balance of $1,500.00 is maintained.
  • Interest paid on tiered daily balance. The account pays higher interest on higher balances.
  • Federal Regulations limit the number of transactions on money market accounts to six per month, of which, three may be third party debits. Each transaction over six (6) will incur a charge.
  • Check images returned with monthly statement

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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.

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CERTIFICATE OF DEPOSITS


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

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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

  • No annual fee
  • Accepted everywhere MasterCard is accepted (including ATMs)
  • Use as a credit or debit card, either way the money comes right out of your checking account
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