Along with great service and fast, valuable advice from our local banking team,
Westfield Bank gives you a wide variety of checking options. Personal checking account holders also enjoy free 24-hour telephone banking, free debit card and ATM card, along with unlimited transactions at Westfield Bank ATMs. Make surcharge-free ATM
withdrawals at many local, regional and national ATMs. You can also make electronic payments at no charge and you'll receive free check images.
Click here for more information and to apply.
Call one of our friendly customer service representatives at 1-800-368-8930 for more information on these accounts.
| Available Features |
Simply Checking |
Interest Checking
and IOLTA |
Money Market Checking |
| Minimum Opening Balance |
$50 |
$50 |
$500 |
| FDIC Insured |
Yes |
Yes |
Yes |
Free Check Writing
Privileges |
25 Free* |
Yes |
Yes |
| Payroll Direct Deposit |
Yes |
Yes |
Yes |
| ATM / Debit Card Access |
Yes |
Yes |
Yes |
| Online Banking |
Yes |
Yes |
Yes |
| Online Bill Payment |
Yes |
Yes |
Yes |
Telephone Banking
Access 24/7 |
Yes |
Yes |
Yes |
Overdraft Protection from
Overdraft Line of Credit,
Home Equity Line, or Savings Account |
Yes |
Yes |
Yes |
| Imaged Copies of Checks |
Yes |
Yes |
Yes |
| *Checks written monthly over 25 are $0.50 each |
| Rates & Fees |
Simply Checking |
Interest Checking
and IOLTA |
Money Market Checking |
| Interest Rate / APY on Daily Balance: |
Rate / APY |
Rate / APY |
Rate / APY |
| From $0.00 through $49.99 |
0% |
0% |
1.000% / 1.00% |
| From $50.00 through $2499.99 |
0% |
0.25% / 0.25% |
1.000% / 1.00% |
| From $2,500.00 through $4,999.99 |
0% |
0.25% / 0.25% |
1.000% / 1.00% |
| From $5,000.00 through $9,999.99 |
0% |
0.50% / 0.50% |
1.000% / 1.00% |
| From $10,000.00 through $24,999.99 |
0% |
0.75% / 0.75% |
1.240% / 1.25% |
| From $25,000.00 through $49,999.99 |
0% |
1.00% / 1.00% |
1.680% / 1.69% |
| From $50,000.00 and above |
0% |
1.00% / 1.00% |
1.680% / 1.69% |
| The interest rate and annual percentage yield (APY) may change at any time. Interest is compounded monthly and paid monthly.
Interest begins to accrue on the business day funds are collected. |
| Minimum Average Collected Balance required to waive monthly service charges |
$0 |
$1,000 |
$10,000 |
| Monthly Service Charge |
$0 |
$7.95 |
$9.95 |
| Optional Services |
Simply Checking |
Interest Checking
and IOLTA |
Money Market Checking |
| Online Bill Payment: |
Free |
Free |
Free |
| ATM |
| Free ATM withdrawals |
8 per Month |
8 per Month |
8 per Month |
| Additional ATM Withdrawals over 8 |
$2.00 each |
$2.00 each |
$2.00 each |
| Surcharge free withdrawals at Huntington Bank, KeyBank and FirstMerit ATMs |
Free |
Free |
Free |
| Unlimited transactions at Westfield ATMs |
Free |
Free |
Free |
| Deposit and Balance Inquires |
Free |
Free |
Free |
| Visa Merchants and other Point-of-Sale Purchases |
Free |
Free |
Free |
| Overdraft Protection options: |
| Advance from Line of Credit Account |
$25 annually |
$25 annually |
$25 annually |
| Automatic Transfer from Savings Account |
$5 per transfer |
$5 per transfer |
$5 per transfer |
| Link to Home Equity Line of Credit |
Free |
Free |
Free |
Member FDIC and Equal Housing Lender Effective Date: February 11, 2008
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