Western Business Checking

Requirements:

• $100.00 opening balance
• $10.00 monthly service charge

Benefits:

• First box of basic checks at no charge
  
• Unlimited check writing privileges
  
• Free Internet Banking
  
• Free Bill Pay
• Account will be converted to Account Analysis Charge if number of deposited items exceeds 100 in one statement cycle

Business Checking Account Analysis:

• Western Bank's Business Checking Account Analysis is designed for businesses that have a high volume of transactions that include the following:
  • Checks Written
  • Deposited Items
  • Electronic Transactions (ACH)

• Account Analysis provides a solution by partially or fully crediting the charges incurred on the account with an earnings credit on the collected balance of the account.

Business Analysis Checking Fee Schedule:

• $25.00 Monthly Maintenance Charge

• Per Item Charges:
  • $0.08 - Checks - Fed Clearing
  • $0.07 - Checks - On Us
  • $0.10 - Deposit
  • $0.08 - Unencoded Checks - Fed
  • $0.08 - Unencoded Checks - On Us
  • $0.06 - Encoded Checks

 

• ACH Received:
  • $0.05 - Debit
  • $0.07 - Credit

• ACH Origination:
  • $0.05 - Debit
  • $0.07 - Credit
  • $0.25 - Prenotification
  • $0.35 - ACH Notice of Change
• ACH Return Origination:
  • $1.25 - Debit
  • $1.25 - Credit

 

• $0.20/roll - Rolled Coin
• $0.50/strap - Strapped Currency

• Earnings Credit - Variable Rate Earnings Credit based on average collected balance

 

Western Savings

Requirements:

• $100.00 opening balance
  
• $100.00 minimum balance to avoid a $3.00 service charge
  
• Savings accounts have a transaction limit of six transactions per statement cycle of which no more than three may be to a third party. There will be $2.00 per transaction charge for exceeding transaction limit.

Benefits:

• Interest bearing*
  
• Free Internet Banking

 

Western Money Market

Requirements:

• $2,500.00 opening balance
  
• $2,500.00 minimum balance to avoid a monthly service charge
  
• Limit of six transactions per statement cycle. There will be $10.00 per transaction charge for exceeding transaction limit.
  
• Interest rate will increase or decrease at the following balance levels:
  • $  1,000.00 - $4,999.99
  • $  5,000.00 - $9,999.99
    
  • $10,000.00 - $24,999.99
    
  • $25,000.00 and over
    
• Free Debit Card (upon approval)
  
• Free Internet Banking
  
• Free Bill Pay

Benefits:

• Interest bearing*

Cost:

• $10.00 service charge if balance falls below minimum
• Forfeit interest if balance falls below minimum during account cycle
• Withdrawals limitations may apply

 

Western NOW Account

Requirements:

• $1,000.00 minimum balance

Benefits:

• First box of basic checks at no charge
  
• Unlimited check writing
  
• Interest bearing*
  
• Free Debit Card (upon approval)
  
• Free Internet Banking
  
• Free Bill Pay

Cost:

• $10.00 service charge if balance falls below minimum

 

Western HSA (Health Savings Account)

Requirements:

• $100.00 opening balance

Benefits:

• Interest bearing*
• No service charges
• Unlimited transactions
  

 

Western Basic Checking

Requirements:

• $100.00 opening balance
• $500.00 minimum balance
• $5.00 below minimum balance service charge may apply

Benefits:

• First box of basic checks at no charge
  
• Unlimited check writing privileges
  
• Free Internet Banking
  
• Free Bill Pay

 

Western Club Checking

Requirements:

• $100.00 opening balance

Benefits:

• $10,000.00 accidental death insurance
• Free basic printed checks
• No fee for cashier's checks and money orders
• No minimum balance
  
• Unlimited check writing privileges
  
• Free Internet Banking
  
• Free Bill Pay (account will be converted to Business Checking Account if number of deposited items exceeds 100 in one statement cycle

Cost:

• $6.00 service charge per statement cycle

 

Western First Choice

Requirements:

• $100.00 opening balance
• $5,000.00 minimum relational balance to avoid service charge of $10.00

Benefits:

• Interest bearing*
  
• Unlimited check writing privileges
  
• Free Internet Banking
  
• Free Bill Pay (account will be converted to Business Checking Account if number of deposited items exceeds 100 in one statement cycle

 

*Rates are subject to change.