Personal Checking Accounts
Whether you’re looking for a simple checking account, a high-interest-bearing account or something in between, you have options.
Basic Checking
Whether this is your first personal checking account or you’re a seasoned account holder who chooses to keep a small daily balance at the ready, Basic Checking provides you with a simple account with notable benefits.
- No minimum balance
- No monthly service fee
- Unlimited check writing
- Free Mastercard© debit card
- Free ATM transactions at First Westroads Bank-Operated ATMs
- Two free ATM transactions per month at any surcharge-free ATM
- Free Online Banking with optional Free Bill Payment and/or Paperless Statements with check images
- Free telephone banking
- Monthly statement with check images
- See Rates
Premier Checking
When you want more out of your personal checking account, Premier Checking delivers competitive interest rates on your balance. But the benefits only start from there:
- Unlimited check writing
- Free Mastercard© debit card
- Free ATM transactions at First Westroads Bank-Operated ATMs
- Two free ATM transactions per month at any surcharge-free ATM
- Free Online Banking with optional Free Bill Payment and/or Paperless Statements with check images
- Free telephone banking
- Competitive Interest Rates are paid monthly on the average daily collected balance
- Monthly statement with check safekeeping
- $2,500 minimum daily balance requirement to waive $10.00 monthly service fee
- See Rates
Elite Checking
Meet the personal checking account that rewards you for maintaining a higher checking account balance with higher interest.
- Unlimited check writing
- Free Mastercard© debit card
- Free ATM transactions at First Westroads Bank-Operated ATMs
- Two free ATM transactions per month at anysurcharge-free ATM
- Bank-Operated ATMs
- Free Online Banking with optional Free Bill Payment and/or Paperless Statements
- Free telephone banking
- Competitive interest rates are paid monthly on the average daily collected balance
- Monthly statement with check images
- $10,000 minimum daily balance requirement to waive $20.00 monthly service fee
- See Rates
Consumer Money Market
We combined the best features of a savings account and checking account into our Consumer Money Market. It delivers competitive earnings based on a tiered-interest-rate structure, with rates paid on a monthly basis.
- $2,500 minimum daily balance requirement to waive $15 monthly service fee
- Limit of six transfers or withdrawals allowed each statement cycle
- Each additional transfer or withdrawal incurs a per-debit fee of $3.00
- Free online access to account information, statements and check images with enrollment in Online Banking and Paperless Statements
- See Rates
Elite Consumer Money Market
The same great features but with even better interest. It delivers competitive earnings based on a tiered-interest-rate structure, with rates paid on a monthly basis.
- $25,000 minimum daily balance requirement to waive $20 monthly service fee
- Limit of six transfers or withdrawals allowed each statement cycle
- Each additional transfer or withdrawal incurs a per-debit fee of $3.00
- Free online access to account information, statements and check images with enrollment in Online Banking and Paperless Statements
- See Rates
Employee Health Savings Account (HSA)
If you have a high-deductible health plan and want to put money aside for any unexpected medical bills, a Health Savings Account (HSA) might be for you. Eligible contributions made to your HSA are fully tax-deductible, earnings are tax-deferred and distributions used to pay for qualified medical expenses are tax-free. All unused contributions stay in your account, earning tax-deferred interest.
We recommend that you consult with your tax advisor regarding the tax advantages of an HSA.
For more information on Health Savings Accounts, please visit www.irs.gov or contact a First Westroads Bank Personal Banker at (402) 330-7200
- NO set-up no-fee
- NO minimum opening deposit
- Interest bearing checking account
- Mastercard debit card
- Free online access to account information and Paperless Statements
- NO service fee if all transactions are handled electronically -- direct deposit, debit card, Online Banking, and Paperless Statements
- If you choose to wire checks, or use non-electronic payment types, you need only maintain a daily balance of $500 to avoid a monthly service fee of $2.50
- See Rates
- *Accounts are subject to additional terms and conditions and/or fees including internet provider and data charges.