Whether you're opening your very first checking account or looking to upgrade to one that better fits your current needs and lifestyle, knowing what to look for can make a big difference in your day-to-day finances.
The right checking account can simplify your money management, help you avoid unnecessary fees, and give you easy access to the banking tools you rely on. On the other hand, the wrong account can cost you more than it’s worth—both in fees and frustration.
In this blog, we’ll walk you through the key features to consider when choosing a checking account, from understanding your banking habits to weighing additional perks and benefits. Whether you're just getting started or you’ve been searching for the best checking account options out there, you're in the right place. Let’s get started.
Knowing Your Banking Needs
Before choosing a checking account, assess your banking needs. Consider how you use your account—do you receive direct deposits, use your debit card often, need mobile access, or rely on PTM/ATMs for cash?
Answering these questions will help you identify your priorities.
Some people prioritize different factors, such as convenience, low fees, interest, or personalized service. Understanding what features matter most to you is key to choosing the right account.
Look for Low or No Fees
One of the most significant concerns for many people when choosing a checking account is the fees. Monthly maintenance fees can eat into your balance, especially if you don't meet certain requirements. Understanding these fees is crucial. If choosing an account with a monthly maintenance fee be sure it includes some added value for the expense. Additionally, be aware of common charges such as overdraft fees, ATM fees, and out-of-network usage fees.
Consider exploring your options and comparing fee structures. For example, you can find and compare our personal checking accounts and decide the one that’s right for you.
PTM/ATM Access & Fee Reimbursement
PTM vs ATM: What's the difference? While most banks offer ATMs (Automated Teller Machines), we have PTMs (Personal Teller Machines) that provide a more personalized experience. With PTMs, you can make deposits, transfer money, cash checks, pay loans, and interact with a real teller—plus, ask questions about your account.
Beyond the great benefits that a PTM/ATM can provide, access is an important factor when choosing a checking account, especially if you regularly need cash. West Shore Bank also offers access to thousands of ATMs through our network and nationwide partners like Pulse and MoneyPass. Some accounts even include ATM fee reimbursements, saving you money and providing greater convenience.
Mobile & Online Banking Tools
In today’s digital world, secure banking tools are essential. West Shore Bank offers a full suite of features like mobile check deposit, real-time alerts, bill pay, and Zelle® integration—giving you 24/7 access to your accounts anywhere.
Want better control over your finances? MoneyTracker helps you track spending, set budgets, and monitor goals—all in one dashboard. Plus, with contactless payments, you can easily “tap-to-pay” with your smartphone.
Our digital tools make managing your money easier, more convenient, and more secure.
Minimum Balance Requirements
Minimum balance requirements can impact fees and account eligibility. Understand the difference between the "minimum to open" and the "minimum to avoid fees." If you prefer a lower balance, choose accounts with no or low minimum requirements. You can compare personal checking account types here or stop by a branch location today to discuss your specific needs with one of our banking professionals.
Extra Features & Benefits
We all love extras—and with the right checking account, those added perks can make a big difference in your everyday banking experience. While many banks offer features like interest-bearing accounts or cash-back debit rewards, West Shore Bank goes further by offering valuable benefits with select checking accounts.
Depending on the account you choose, you may have access to:
- IDProtect® – Identity theft monitoring and resolution service
- Travel and Leisure Discounts – Available through West Shore Online Banking and westshorebank.clubchecking.com
- Health Discount Savings – Savings on prescriptions, vision, and more (note: this is not insurance)
- $hopping Rewards™ – Get cash back on everyday purchases, available via West Shore Online Banking
- Telehealth Access – 24/7 video or phone visits with U.S.-based doctors for urgent care or mental health support, with zero copays for you and your family
- Cellular Telephone Protection – Up to $800 in coverage for stolen or damaged phones
- Debit Advantage® – Includes Buyer’s Protection and Extended Warranty on eligible purchases
- Make a Difference - Round up everyday purchases to grow your savings, donate to local nonprofits, or both, directly from your bank account
These extra features are part of West Shore Bank’s commitment to providing more than just basic banking—they’re designed to protect, support, and reward our customers. When comparing checking accounts, be sure to explore which benefits come with each option to find the best fit for your lifestyle. Be sure to follow us on social media like Facebook or LinkedIn to see promotional offers.
How West Shore Bank Makes It Easy
You'll love our local, personalized service. We offer a range of account options tailored to fit your unique needs. With a focus on trust, security, and strong community connections, we're proud to be the trusted banking partner for so many customers like you who value reliability and service.
Choosing the right checking account involves considering many factors, including your banking needs, fees, PTM access, mobile tools, and extra benefits. By understanding these aspects, you can make an informed decision that aligns with your financial goals.
Ready to find the best checking account for your needs?
We’d love to help —stop by a convenient West Shore Bank branch or open your account online today.
