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|MyChoice Checking||Preferred Account||Gold Account|
|Account Available For||Individuals||Individuals||Individuals 55 and over|
|Minimum Opening Deposit||$200||$250||$100|
|Monthly Service Fee||$8||$17.50||$17.50|
|Balance to Avoid Monthly Fee||Monthly average collected balance over $3,000.||Daily collected balance over $1,500 or monthly average collected balance over $3,000.||Daily collected balance over $750 or monthly average collected balance over $1,500.|
|Other Ways to Reduce Monthly Fee||Earn $2 cash-back for E-Statements; $3 cash-back with a monthly direct deposit (min. $100); $3 cash-back with a minimum of 15 point-of-sale debit card purchases1 during each statement cycle2||None||None|
|Free Online NetBanking & Bill Pay||Yes||Yes||Yes|
|Free Mobile Banking & Mobile Apps||Yes||Yes||Yes|
|Free 24-Hour Bank-by-Phone||Yes||Yes||Yes|
|Free Account Alerts
|Free MasterCard* Debit/ATM Card
|Access to 40,000 Surcharge-Free ATMs
|Free Personalized Checks (2 boxes/yr)
|Free Cashiers' Checks
|Free Stop Payments||No||Yes||Yes|
|Learn More||Learn More
|Request Application||Request Application||Request Application|
There will be a $25.00 fee for accounts closed within 90 days of opening.
Fees may be subject to state and local taxes, which vary by location.
MyChoice Checking has the benefits and services you want and deserve. It’s chock full of our basics, plus all of our Choice Benefits. With free online and mobile banking, Bill Pay, a WestStar Debit Card, online check images, and unlimited transactions, it has everything you need. Add in our Choice Benefits and extra cash back, and we think you’ll agree it has everything you want, too.
Choice Benefits: Offset your monthly fee: Receive cash-back to offset your monthly service fee by doing any or all of the following qualifiers2 :
- Sign-up for E-Statements and receive $2 cash-back.
- Set-up a monthly direct deposit (minimum $100) for $3 cash-back.
- Use your debit card 15 times1 for point-of-sale (POS) purchases and receive $3 cash-back.
Extra Cash Back: After completing 15 POS transactions, receive $.05 cash-back for each POS transaction thereafter, with no limit3.
- Minimum Opening Balance: $200
- Monthly Service Charge: $8.
- Minimum Balance to Avoid Service Charge: $3,000*
*The monthly service fee is waived if an average monthly collected balance of $3,000 or more is maintained.
If you prefer an interest-bearing4 account and premium features, the Preferred Account is just right for you. This account offers all our basic personal checking account features, plus free personalized checks (2 boxes per year), stop payment requests, and cashier checks.
- Minimum Opening Balance: $250
- Monthly Service Charge: $17.50
- Minimum Balance to Avoid Service Charge: Daily balance of $1,500; average monthly collected balance of $3,000*.
The Gold Account is our comprehensive checking account for those at least 55 years of age or older. This interest-bearing5 account offers all our basic personal checking account features, plus free personalized checks (two boxes per year), stop payment requests, and cashier checks.
- Minimum Opening Balance: $100
- Monthly Service Charge: $17.50
- Minimum Balance to Avoid Service Charge: Daily balance of $750, average monthly collected balance of $1,500*.
*The monthly service fee is waived when your average daily collected balance is $750 or greater, or your average monthly collected balance for the statement cycle is $1,500 or greater.
(1) Point-of-sale (POS) purchases include those made using your debit card either in person, online, telephone or mail-order, and bill payment. ATM transactions are not included. "Use" is determined by the posting date of the POS purchase. POS purchases made on Saturday or Sunday will generally post on the following business day, or later in some instances.
(2) Cash-back for E-Statement enrollment, direct deposit, and 15 POS transactions only apply when a monthly service fee is assessed to your account during a statement cycle.
(3) After completion of 15 POS transactions during each statement cycle, you will receive $.05 cash-back for each POS transaction thereafter, with no limit.
(4) If your collected balance exceeds $3,000 on any given day, the account will automatically earn interest for that day. Rates vary depending on tiered balances.
(5) If your collected balance exceeds $1,500 on any given day, the account will automatically earn interest for that day. Rates vary depending on tiered balances.