Checking Accounts to Suit Your Lifestyle

Personal Checking

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Personal Checking

Checking Accounts as Individual as You Are

We offer a variety of Personal Checking accounts designed to complement your needs, preferences and your lifestyle. Switch to Community West Bank and get the service you deserve.

Download our helpful SwitchKit for information on how to get started with CWB!

Learn more about our Overdraft Coverage options and how to opt in today.

Features	Student Checking	Simplicity Checking	Secure Checking	Relationship Interest Checking
Description	A checking account for young adults ages 14 to 19 that requires a parent or guardian as a joint owner	Writing checks is optional with the convenience of a debit card and bill pay	A simple and easy account with the benefit of Identity Theft Assistance³	A checking account that earns interest, in addition to offering a variety of enhanced features
Minimum Opening Deposit	$25	$25	$25	$100
Monthly Service Charge	$10 once account holder is 19 years of age	$10 or No charge with enrollment in electronic statements (valid email address required)	$8 or $7 with enrollment in electronic statements (requires valid email address)	$10 or $8 with direct deposit of $250 or more per month
Service Charge Waiver Requirement	Account holder must be under age 19	Enrollment in electronic statements	No monthly service charge for clients 65 and over	$2,000 daily or a monthly average balance of $5,000
Interest Earning	Not Applicable	Not Applicable	Not Applicable	Yes ² If the account is closed prior to the interest payment period, interest will not be received
ATM & Check Writing	Unlimited Visa debit/ATM card usage Free check safekeeping Surcharge free access to ATMs within the MoneyPass® network	Five checks/drafts per statement cycle ($1 each thereafter)⁶ Unlimited Visa debit/ATM card usage Free check safekeeping Surcharge free access to ATMs within the MoneyPass® network	15 checks/drafts per statement cycle ($1 each thereafter)⁶ Unlimited Visa debit/ATM card usage Free check safekeeping Surcharge free access to ATMs within the MoneyPass® network Customers 65 and over receive free CWB Senior Secure checks or $5 off other personal check styles, with free shipping and handling	Unlimited Visa debit/ ATM card usage CWB logo checks at no charge; personal check styles available at the retail price (shipping and handling fees apply) Five cashier's checks issued at no charge per month; a $10 per check fee applies after five, assessed at the end of the monthly statement cycle Surcharge free access to ATMs within the MoneyPass® network
Electronic Services	Free Online Banking Free electronic statements (requires valid email address)	Free Online Banking and Bill Pay⁵ Free electronic statements requires valid email address) Mobile Banking including Mobile Deposit ¹ Zelle® (person-to-person payments) ⁴	Free Online Banking and Bill Pay ⁵ Free electronic statements (requires valid email address) Mobile Banking including Mobile Deposit ¹ Zelle® (person-to-person payments) ⁴	Free Online Banking and Bill Pay ⁵ Free electronic statements (requires valid email address) Mobile Banking including Mobile Deposit ¹ Zelle® (person-to-person payments) ⁴
Overdraft Services	Overdraft Services (restrictions apply)	Overdraft from Savings Account (restrictions apply) Occasional Overdraft Service (restrictions apply)	Overdraft from Savings Account (restrictions apply) Occasional Overdraft Service (restrictions apply)	Overdraft from Savings Account (restrictions apply) Occasional Overdraft Service (restrictions apply)
Included Features and Services	Two copies of check images per monthly statement cycle at no charge Copies in excess of two can be reproduced at the current cost of research and $3 copy fee	Two copies of check images per monthly statement cycle at no charge Copies in excess of two can be reproduced at the current cost of research and $3 copy fee	Free Identity Theft Protection Package to include ID Restoration Pro³ Two copies of check images per monthly statement cycle at no charge Copies in excess of two can be reproduced at the current cost of research and $3 copy fee	Small safe deposit box provided (fee waived for one-year, new rentals only, subject to availability, small box only)

Features	Description	Minimum Opening Deposit	Monthly Service Charge	Service Charge Waiver Requirement	Interest Earning	ATM & Check Writing	Electronic Services	Overdraft Services	Included Features and Services
Student Checking	A checking account for young adults ages 14 to 19 that requires a parent or guardian as a joint owner	$25	$10 once account holder is 19 years of age	Account holder must be under age 19	Not Applicable	Unlimited Visa debit/ATM card usage Free check safekeeping Surcharge free access to ATMs within the MoneyPass® network	Free Online Banking Free electronic statements (requires valid email address)	Overdraft Services (restrictions apply)	Two copies of check images per monthly statement cycle at no charge Copies in excess of two can be reproduced at the current cost of research and $3 copy fee
Simplicity Checking	Writing checks is optional with the convenience of a debit card and bill pay	$25	$10 or No charge with enrollment in electronic statements (valid email address required)	Enrollment in electronic statements	Not Applicable	Five checks/drafts per statement cycle ($1 each thereafter)⁶ Unlimited Visa debit/ATM card usage Free check safekeeping Surcharge free access to ATMs within the MoneyPass® network	Free Online Banking and Bill Pay⁵ Free electronic statements requires valid email address) Mobile Banking including Mobile Deposit ¹ Zelle® (person-to-person payments) ⁴	Overdraft from Savings Account (restrictions apply) Occasional Overdraft Service (restrictions apply)	Two copies of check images per monthly statement cycle at no charge Copies in excess of two can be reproduced at the current cost of research and $3 copy fee
Secure Checking	A simple and easy account with the benefit of Identity Theft Assistance³	$25	$8 or $7 with enrollment in electronic statements (requires valid email address)	No monthly service charge for clients 65 and over	Not Applicable	15 checks/drafts per statement cycle ($1 each thereafter)⁶ Unlimited Visa debit/ATM card usage Free check safekeeping Surcharge free access to ATMs within the MoneyPass® network Customers 65 and over receive free CWB Senior Secure checks or $5 off other personal check styles, with free shipping and handling	Free Online Banking and Bill Pay ⁵ Free electronic statements (requires valid email address) Mobile Banking including Mobile Deposit ¹ Zelle® (person-to-person payments) ⁴	Overdraft from Savings Account (restrictions apply) Occasional Overdraft Service (restrictions apply)	Free Identity Theft Protection Package to include ID Restoration Pro³ Two copies of check images per monthly statement cycle at no charge Copies in excess of two can be reproduced at the current cost of research and $3 copy fee
Relationship Interest Checking	A checking account that earns interest, in addition to offering a variety of enhanced features	$100	$10 or $8 with direct deposit of $250 or more per month	$2,000 daily or a monthly average balance of $5,000	Yes ² If the account is closed prior to the interest payment period, interest will not be received	Unlimited Visa debit/ ATM card usage CWB logo checks at no charge; personal check styles available at the retail price (shipping and handling fees apply) Five cashier's checks issued at no charge per month; a $10 per check fee applies after five, assessed at the end of the monthly statement cycle Surcharge free access to ATMs within the MoneyPass® network	Free Online Banking and Bill Pay ⁵ Free electronic statements (requires valid email address) Mobile Banking including Mobile Deposit ¹ Zelle® (person-to-person payments) ⁴	Overdraft from Savings Account (restrictions apply) Occasional Overdraft Service (restrictions apply)	Small safe deposit box provided (fee waived for one-year, new rentals only, subject to availability, small box only)

(1) Message and data rates apply. Daily and monthly limits, fees may apply. Restrictive endorsement applies.

(2) No interest earned on days balance falls below $2,000. This is a tiered-rate account. Refer to rate sheet for current information. 4/24

(3) Only available to primary account holder. Requires a valid email address to enroll. Activation required. See branch for more details.

(4) There is no charge to send money with Zelle®. Must sign up and be enrolled in Bill Pay.

(5) If you use our Online Banking Bill Payment Service, you may experience circumstances where the vendor might issue a check rather than an electronic debit. You may be charged a fee if the item exceeds the allowable number of checks/drafts per monthly statement cycle. Refer to “Understanding Your Deposit Account” for terms and conditions and account disclosures.

Please note: This information is accurate as of July 22, 2024. Community West Bank reserve the right to make changes at any time as a result of a change of policy, law, and regulation or otherwise.