Get all of the basics you need in a personal checking account, with some additional features and benefits. Our VIP Checking account gives you a little something more from your account, with extras such as automatic ATM fee refunds* and free notary services.
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 |
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| 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 |
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| ATM Fee Refunds |  |
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| Free Western Checks | |
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| $10 Discount on Other Check Designs or Duplicates | |
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| Free Initial Western Debit Card or Western ATM Card | |
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| Overdraft Protection/Instant Credit (if approved) | |
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| Free Online Banking, Mobile Banking, Mobile Deposit, and Standard Bill Pay | |
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| Free Identity Theft Protection | |
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| Free Official Bank Checks, Money Orders, and Notary Service | |
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| No Annual Fee on Approved Instant Credit | |
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| No Fee for Stop Payments | |
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| No Processing Fee on Consumer Loans | |
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| No Processing Fee on Home Equity Loans | |
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See what it's like to choose a bank focused on you.
Contact our team to open an account or get answers to your questions.