On the evening of Wednesday, August 17, 2022, from midnight until 5 a.m. the next morning, Online Banking services will be unavailable as program updates are applied.

Business

Personal

Insight

About

FAQ

Hello. Log in here.

Personal Business

Personal Checking Accounts

Whether you’re looking for a simple checking account, a high-interest-bearing account or something in between, you have options.

Regular Checking

For those who prefer to have images of their checks shown on their account statements, we’ve designed our Regular Checking account to meet that need.

Regular Checking account benefits also include:

  • Unlimited check writing
  • Free Mastercard© debit card
  • Free ATM transactions at First Westroads Bank-Operated ATMs
  • Bank-Operated ATMs
  • Two free ATM transactions per month at any surcharge-free ATM
  • See Rates
  • Free BankNow internet banking with optional Free Bill Payment and/or eStatements
  • Free BankNow telephone banking
  • Monthly statement with check images
  • Low minimum daily balances can reduce or eliminate monthly service fees
  • See Rates

$800 or above

FREE

$600 to $799.99

$5.50

$300 to $599.99

$7.50

$0 to $299.99

$10.00

Now Account

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 BankNow internet banking with optional Free Bill Payment and/or eStatements
  • Free BankNow telephone banking
  • Competitive interest rates are paid monthly on the average daily collected balance
  • Monthly statement with check images
  • $2,500 minimum daily balance requirement to waive $9.00 monthly service fee
  • See Rates

Safe 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, Safe 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 BankNow internet banking with optional Free Bill Payment and/or eStatements with check images
  • Free BankNow telephone banking
  • Monthly statement with check safekeeping
  • See Rates

Safe Now Checking

When you want more out of your personal checking account, Safe Now 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 BankNow internet banking with optional Free Bill Payment and/or eStatements with check images
  • Free BankNow telephone banking
  • Competitive Interest Rates are paid monthly on the average daily collected balance
  • Monthly statement with check safekeeping
  • Low $500 minimum daily balance requirement to waive $9.00 monthly service fee
  • See Rates

Safe Money Market

We combined the best features of a savings account and checking account into our Safe Money Market. It delivers competitive earnings based on a tiered-interest-rate structure, with rates paid on a monthly basis.

  • $1,000 minimum daily balance requirement to waive $10 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 BankNow internet banking and eStatements
  • 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 eStatements
  • NO service fee if all transactions are handled electronically -- direct deposit, debit card, Internet Banking, and eStatements
  • 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