Free Flexible Checking

Open a free checking account with just $100.

Get free checking with ATM reimbusements with  our relationship rewards program.

Why get charged to maintain an account you can get for free? At West Suburban Bank, we don't want you jumping through hoops to avoid monthly maintenance fees. Our simple free flexible checking system adapts to your banking needs. Plus, the account is loaded with features that help you save time and money. You can even get rewarded with our Relationship Rewards program. With this program, WSB will reimburse you up to $10 per monthly cycle for any non-WSB ATM fees.

Access Your Account 24/7 with Free Digital Banking

Access your free flexible checking¹ account anywhere, anytime with free Digital Banking. Enjoy the convenience of accessing your accounts 24 hours a day, 7 days a week.

  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free Debit/ATM Card
  • Free first order of WSB Checks

Avoid Monthly Service Fees

There are no monthly fees or a per check charge for the first year of the account. Afterwards, it's easy to avoid fees, make your banking convenient, and get free checking. All you have to do is simply enroll in eStatements, set up direct deposit or have an automatic monthly bill pay. Do one or all three, and you're all set!

  • No Minimum Balance
  • No Per-Check Charge
  • No Monthly Service Charge
  • No Check-Writing Limit
  • No Annual Fee for Debit/ATM Card
  • No ATM surcharge at WSB Locations

Requirements for Relationship Rewards

We designed Relationship Rewards to give our customer even more value with their free checking account. This program offers you the ability to qualify for up to a $10 reimbursement, per monthly cycle, for non-WSB ATM Fees related to cash withdrawals at non-WSB ATMs.²

With our Free Flexible Checking account, qualifying for rewards is easy and based off everyday banking activity. If you have a checking and savings account with us, you're automatically enrolled in Relationship Rewards. To qualify for the $10 reimbursement, the following qualifying activity must take place during a monthly statement cycle:

  • Have at least 12 debit card purchase transactions (excludes ATM transactions) post and clear per cycle ³
  • Be enrolled and receive monthly eStatements for your checking account through Online Banking
  • Own and maintain a WSB Savings Account ⁴

It's that easy to receive up to a $10 reimbursement per month cycle. Plus, if you don't meet the qualifications during a monthly cycle, don't worry - you still get all the great features of our Free Flexible Checking account and you can always qualify for the reimbursement next cycle.

Click here to review frequently asked questions regarding Relationship Rewards.

Click here for the Terms & Agreements for Relationship Rewards.

Get started today!

To learn more about our free flexible checking account, make an appointment with one of our friendly and knowledgeable customer service representatives, visit your local branch office or contact us.

¹ All accounts are subject to regular account opening procedures. Free Checking is offered for the first year or for the life of the account with direct deposit, an automatic payment of a monthly bill or by simply signing up to receive your monthly statement electronically with eStatements. Free checking is also offered to full time students and senior citizens. May incur ATM charges if using non-WSB ATMs. Check printing fees may vary. N.O.W account eligibility required. Overdraft fees may apply. Account earns interest on balances of $2,500 and over; annual percentage yield subject to change daily. May incur monthly Dormant Account Fee if no activity for 6 consecutive months. Mobile Deposit is available in the West Suburban Bank App, which is available for select mobile devices. Message and data rates may apply. Subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions may apply.

² Once qualification are met, WSB will reimburse a maximum of $10 per statement cycle for Non-WSB ATM Fees.  Non-WSB ATM Fees must be charged and posted to the qualifying Flexible Checking Account in order to be eligible for reimbursement.  WSB does and will continue to charge an ATM-Non-WSB Owned fee, please see Service Fee List for fee amount.  The ATM-Non-WSB Owned Fee is eligible for reimbursement and will count towards the maximum reimbursement amount.  In addition, there may be circumstances, depending on how a merchant processes and uses transaction codes, where a merchant surcharge and/or service fee may be processed as a Non-WSB ATM fee.  Any merchant surcharge or service fee processed as a Non-WSB ATM fee may be reimbursed and will count towards the maximum reimbursement amount.  WSB is not responsible nor has any control over how a merchant may code transactions.

³ You must have at least 12 debit card purchase transactions to receive rewards per statement cycle. Debit card transactions for Relationship Rewards must post to and settle the account during monthly qualification cycle. Transactions may take one or more days from the date transaction was made to post to and settle an account. Transfers between accounts and transactions conducted at an ATM do not count as a qualifying debit card transaction. "Statement Cycle" means a period beginning the day of the first day of the current statement cycle through the close of the current statement cycle.  If qualifying requirements are met and the total amount of eligible fees is less than ten dollars ($10), the unused reimbursement amount will not carry over to the next statement cycle.

⁴ A $100 minimum opening balance is required. Balance under $100 will incur a monthly fee as noted in the Service Fees list. Account is subject to account opening procedures.To qualify for Relationship Rewards, you must be listed as an owner of the savings account. Click here to learn more about our savings accounts.

Please click here for our Terms and Agreements and click here for our Service Fees List for additional information (requires free Adobe Acrobat Reader).

 

 

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