Checking
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MyChoice Checking | Preferred Checking | Gold Checking | |
---|---|---|---|
Account Available For | Individuals | Individuals |
Individuals 55 and over |
Minimum Opening Deposit | $25 | $250 | $100 |
Monthly Service Fee | $8 |
$20 | $20 |
Balance to Avoid Monthly Service Fee | Monthly average collected balance of $3,000. | Daily collected balance of $3,000; or, monthly average collected balance of $7,500; or, combined monthly average collected personal account balances over $10,0001. | Daily collected balance of $1,500; or, monthly average collected balance of $3,000; or, combined monthly average collected personal account balances over $10,0001. |
Other Ways to Reduce Monthly Fee |
Reduce the monthly fee by signing up for these services:
• $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 cycle2. |
None | None |
Cash Back | After completing 15 POS debit card purchases, receive $.05 cash-back for each POS debit card purchase thereafter, with no limit3. |
Receive $.05 cash-back for each POS debit card purchase, with no limit4. | Receive $.05 cash-back for each POS debit card purchase, with no limit4. |
Interest Bearing | No | Yes5 | Yes6 |
FREE: Online and Mobile Banking7, Bill Pay, Mobile App7, 24-Hour Bank-by-Phone, Account Alerts, E-Statements, MasterCard Debit Card, and Access to 55,000+ Surcharge-Free ATMs. | Yes | PLUS: Personalized checks (2 boxes per year), Cashiers’ Checks, and Stop Payments. | PLUS: Personalized checks (2 boxes per year), Cashiers’ Checks, and Stop Payments. |
Learn More | Learn More |
Learn More |
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Open Account Now | Open Account Now | Open Account Now |
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.
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.
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.
(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.