Future Checking

As a full-time student, you’re building an exciting future. We’re here to help you take on your educational goals. Our Future Checking account gives you all the benefits of having a personal checking account with Western while also offering an opportunity to apply for an annual $500 scholarship.*

Checking account features include:

ATM fee refunds and free Western ATMs**
Identity theft protection
Overdraft protection and instant credit***

Compare your checking account options.****

Account Features	Free Checking	VIP Checking	VIP Plus Checking	Future Checking
Account Summary	Basic checking, without a minimum monthly balance requirement.	All of the checking account basics, with added features and benefits.	A checking account with the most features and benefits.	A checking account designed for account holders age 17 or younger.
Minimum Opening Deposit	$50	$50	$50	$50
Monthly Minimum Balance and Related Requirements	None	$500 or maintain a $5,000 balance in loans and deposits	$10,000 balance in deposit accounts combined, or $25,000 balance in loans and deposits combined	None
Monthly Service Fee	None	$10 monthly fee if balance falls below minimum balance requirement at any time in the month	$10 monthly fee if balance falls below minimum balance requirement at any time in the month	None
Interest	None	Interest compounded and credited monthly	Interest compounded and credited monthly	Interest compounded and credited monthly
Number of Free Western Gift Cards Per Year	5	10	10	5
Additional features and benefits
ATM Fee Refunds
Free Western Checks
$10 Discount on Other Check Designs or Duplicates
Free Initial Western Debit Card or Western ATM Card
Overdraft Protection/Instant Credit (if approved)
Free Online Banking, Mobile Banking, Mobile Deposit, and Standard Bill Pay
Free Identity Theft Protection
Free Official Bank Checks, Money Orders, and Notary Service
No Annual Fee on Approved Instant Credit
No Fee for Stop Payments
No Processing Fee on Consumer Loans
No Processing Fee on Home Equity Loans