Benefits of Checking Accounts

Why do I need a checking account?

• Deposit checks - safer than carrying around cash!
• Pay for purchases with a debit card linked to your account – Instead of paying with cash, easily tap or insert your card in a card reader at check out. Or pay online just like you would with a credit card. But the money comes directly from your checking account…no more credit card interest or penalties.
• Security - All West Bank checking accounts let you lock your debit card if it's ever lost or stolen—helping to prevent unauthorized use.
• Utilize direct deposit from your employer – Your paycheck can be deposited directly into your checking account automatically on pay day, typically faster than getting it in the mail!
• Easy access to your money - You can typically withdraw by visiting the bank, using your debit card at an ATM or making an online transfer.
• Set up automated, recurring bill payments – no more late fees! Set up automatic bill pay and your bills will be paid on time every month.
• Transfer money electronically to friends and family – it’s easy to pay your friends and family with the person-to-person (P2P) feature in our mobile app.
• Analyze your spending - you can use your checking account as a budgeting tool, as you’ll receive a monthly statement of your deposits and spending, so you can see where your money is coming from and where it’s going.
• FDIC insurance – your deposits are covered up to the allowable limits.
• Digital Banking tools – manage your personal checking account online or in our mobile banking app, so you can do your banking when and where it’s convenient for you.

Learn About Checking Accounts

For information to help you better understand how checking accounts work, how to better manage a checking account, and how to avoid overdraft fees. Our Checking Navigator is an easy-to-use, fun and interactive educational tool to walk you through the facts about checking accounts and to help you find the right solutions for you.