Checking

From our MyChoice Checking account, the Preferred Account, or to the Gold account, WestStar has the personal checking account right for you. Use our personal checking account comparison chart to find the one that best fits your individual personal needs or contact us today to find out which one is right for you.

If you are interested in opening a checking account with us, please visit one of our branch locations most convenient to you.
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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 

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.

  • Minimum Opening Balance: $25
  • Monthly Service Charge: $8.
  • Minimum Balance to Avoid Service Charge: $3,000*

Choice Benefits: Receive cash-back to offset your monthly service fee by doing any or all of the following2 : 

• $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 (POS) debit card purchases during each statement cycle.


Extra Cash Back: After completing 15 POS debit card purchases, receive $.05 cash-back for each POS debit card purchase thereafter, with no limit3.

*The monthly service fee is waived if an average monthly collected balance of $3,000 or more is maintained.

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Preferred Account

If you prefer an interest-bearing5 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 cashiers checks.

  • Minimum Opening Balance: $250
  • Monthly Service Charge: $20 
  • Minimum Balance to Avoid Service Charge1:
    • Daily collected balance of $3,000; or,
    • Monthly average collected balance of $7,500; or,
    • Combined monthly average collected personal account balances over $10,000.

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Gold Account

The Gold Account is our comprehensive checking account for those at least 55 years of age or older. This interest-bearing6 account offers all our basic personal checking account features, plus free personalized checks (two boxes per year), stop payment requests, and cashiers checks.

  • Minimum Opening Balance: $100
  • Monthly Service Charge: $20 
  • Minimum Balance to Avoid Service Charge1:
    • Daily collected balance of $1,500; or,
    • Monthly average collected balance of $3,000; or,
    • Combined monthly average collected personal account balances over $10,000.

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(1) A service fee of $20 will be imposed every statement cycle unless you maintain one of the following: a minimum daily collected balance of $3,000 (Preferred Account) or $1,500 (Gold Account) within the statement cycle. The daily collected balance is obtained by taking the closing balance for the day, not including uncollected funds; or, a minimum monthly average collected balance within the statement cycle is $7,500 (Preferred Account) or $3,000 (Gold Account). The monthly average collected balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period; or, a combined monthly average collected personal balance is greater than $10,000 (Preferred and Gold Account) for the statement cycle. For each statement cycle, the following balances are added together to determine the combined balance: The average monthly collected balance in the Preferred account and in each personal checking or savings account; and the current balance in each personal CD and IRA as of the end of the Preferred account statement cycle. To be eligible for combined balance computation, the primary (person listed first on the account) owner of the Preferred or Gold account must be the primary or joint owner of the related deposit accounts.
(2) Cash-back for E-Statement enrollment, direct deposit, and 15 POS debit card purchases only apply when a monthly service fee is assessed to the account during a statement cycle. ATM transactions and recurring POS transactions are not included.
(3) After completing 15 POS debit card purchases during each statement cycle, receive $.05 cash-back for each POS debit card purchase thereafter, with no limit. POS purchases include those made using a WestStar Bank debit card either in person, online, or by telephone. ATM transactions and recurring POS 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.
(4) During each statement cycle, receive $.05 cash-back for each POS debit card purchase, with no limit. POS purchases include those made using a WestStar Bank debit card either in person, online, or by telephone. ATM transactions and recurring POS 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.
(5) If the daily collected balance is $3,000 or over, the account will automatically earn interest for that day. Rates vary depending on tiered balances.
(6) If the daily collected balance is $1,500 or over, the account will automatically earn interest for that day. Rates vary depending on tiered balances.
(7) Cellular carrier message rates and data rates may apply.