Account Type Minimum Balance to Avoid Service Charge Monthly Service Charge Transactions & Fees
Totally Free Business Checking*
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$0 None 3,000 FREE Items per month*

"Perfect for most businesses."

  • FREE 3,000 items per month*
  • No minimum balance
  • No monthly service charge
  • FREE Online Banking
  • FREE Business VISA Debit Card
  • FREE Check images available
  • FREE Gift Card
  • Cash Management, Online Bill Pay and Wire Transfer Services are available for a fee
  • Employee Direct Payroll Deposit available

*Items include all debits, credits and deposited items. If the Totally FREE Business Account exceeds 3,000 items, the account may be changed to another checking product.

Business Interest Checking*
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$1,500 No monthly service charge if the $1,500 minimum balance is maintained. $6 service charge if the balance falls below the minimum any day of the month. None

"Perfect for qualifying sole-proprietorships and non-profit organizations.

  • Competitive Interest Rates.
  • A low $1,500 minimum balance is required to avoid monthly service charges. $6 per month if the balance is below minimum at any time during the monthly statement cycle
  • FREE Online Banking
  • FREE Business VISA Debit Card
  • FREE Check images available
  • FREE Gift Card
  • Cash Management, Online Bill Pay and Wire Transfer Services are available for a fee
  • Employee Direct Payroll Deposit available

 

Business Analysis Checking*
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$0 $10 per month, plus activity fees which can be offset by earnings credit from deposit balances. $.25 per credit, $.06 per deposited Western Security Item, $.10 for all other deposited items

"For businesses with higher account activity."

  • Earnings allowance from deposit balances may offset service charges
  • $10 per month plus activity fees which can be offset by earnings credit from deposit balances
  • Activity fees of $.25 per credit, $.06 per deposited Western Security Bank deposited item and $.10 for all other debits and deposited items
  • FREE Online Banking
  • FREE Business VISA Debit Card
  • FREE Check images available
  • FREE Gift Card
  • Cash Management, Online Bill Pay and Wire Transfer Services are available for a fee
  • Employee Direct Payroll Deposit available

 

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Click HERE for a Statement Reconciliation Form.

*Items include all debits, credits and deposited items. If the Totally FREE Business Account exceeds 3,000 items, the account may be changed to another checking product.

  • Business Checking accounts may be subject to analysis and repricing based on account activity and deposit balance.
  • Customer purchases checks. A dormant account fee of $5.00 a month will be assessed on checking accounts with a daily balance less than $100.00 and no activity for a year.
  • Other fees such as overdraft, returned item, continuous overdraft, dormant fees, etc. may apply. See Schedule of Fees for details. Bank rules and regulations apply.
  • $25 buy-back for checks and debit cards from other financial institutions given at the time the checks/debit cards are presented. Free gift card provided at the time of account opening.