Checking That Works as Hard as You Do
From everyday spending to premium rewards, our checking accounts are built to give you complete control, zero hassle, and exceptional value.
Personal Banking
The Checking Account You've Always Wanted
Westbeck Trust Bank offers three distinct checking tiers designed to fit your life — whether you're just starting out, building wealth, or managing complex finances. Every account includes free mobile banking, real-time alerts, nationwide ATM access, and the personal service of a dedicated banker. No hidden fees, no fine print — just straightforward banking with premium perks.
Key Benefits
Everything You Need. Nothing You Don't.
Zero ATM Fees Nationwide
Use any ATM in the country with no surcharge fees. Third-party ATM fees are reimbursed on qualifying accounts.
Award-Winning Mobile App
Deposit checks, transfer funds, pay bills, and monitor spending from anywhere — all within our top-rated mobile banking app.
Overdraft Protection
Link your savings or line of credit to automatically cover overdrafts, avoiding declined transactions and embarrassing moments.
Instant Peer Payments
Send and receive money in seconds using Zelle®, available natively within the mobile app
Freeze & Unfreeze Your Card
Lost your card? Freeze it instantly from the app in one tap. Found it? Unfreeze just as easily — no branch visit required.
Rewards Points
Earn points on qualifying debit card purchases and redeem them for cash back, travel, merchandise, and more.
Rates & Details
Account Fees & Requirements
Rates effective as of April 30, 2026. Subject to change without notice. APR = Annual Percentage Rate.
Essential Checking
No minimum balance required
$0/mo
Signature Checking
$0/mo
Featured
Prestige Checking
$25/mo
Overdraft Fee
$25
Outgoing Wire Transfer
$18
FAQ
Frequently Asked Questions
You can open most checking accounts online in under 5 minutes with just your government-issued ID and Social Security number. You can also visit any of our branches for in-person assistance.
Essential and Signature checking accounts have no minimum opening deposit. The Prestige account requires a $100 opening deposit.
Yes. All checking accounts can be opened as joint accounts. You can add a joint account holder online, by phone, or at any branch location.
The Signature Checking monthly fee is waived when you maintain a $1,500 average daily balance or receive at least one qualifying direct deposit of $500 or more each statement cycle.
Standard accounts have a $5,000 daily mobile deposit limit. Signature and Prestige account holders have limits of $10,000 and $25,000 respectively. Limits may increase over time based on account history.