If you need more from your checking account, we have you covered. Our VIP Plus Checking account offers the most features and benefits of our personal checking account options. Some of those exclusive benefits include no annual fee for approved instant credit, stop payments, and no documentation fee on consumer or home equity loans.*
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.