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Checking Accounts to Suit Your Lifestyle

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.

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

Personal Checking Accounts

Features Student Checking Simplicity Checking Secure Checking Relationship Interest Checking

Description

  • A checking account for young adults ages 14 to 19 who are entering into a banking relationship
  • Requires a parent or guardian as a joint owner
  • The online account that is environmentally friendly
  • 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 Assistance 3
  • 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
  • Monthly service charge waived with enrollment in eStatements (valid email address required
  • $8
  • $7 with enrollment in eStatements (requires valid email address)
  • $10
  • $8 with direct deposit of $250 or more per month

Service Charge 
Waiver Requirement

  • Account holder must be under age 19
  • Enrollment in eStatements
  • No monthly service charge for customers 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 eStatements (requires valid email address)
  • Free Online Banking and Bill Pay 5
  • Free eStatements (requires valid email address)
  • Mobile Banking including Mobile Deposit 1
  • Zelle®  (person-to-person payments) 4
  • Free Online Banking and Bill Pay 5
  • Free eStatements (requires valid email address)
  • Mobile Banking including Mobile Deposit 1
  • Zelle®  (person-to-person payments) 4
  • Free Online Banking and Bill Pay 5
  • Free eStatements (requires valid email address)
  • Mobile Banking including Mobile Deposit 1
  • Zelle®  (person-to-person payments) 4

Overdraft Services

  • Overdraft from Savings Account (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

  • Copies of check images (2 per monthly statement cycle)
  • Copies in excess of two can be reproduced at the current cost of research and $3 copy fee
  • Copies of check images (2 per monthly statement cycle)
  • 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 Pro 3
  • Copies of check images (2 per monthly statement cycle)
  • 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)

Personal Checking Accounts

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 who are entering into a banking relationship
  • 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 eStatements (requires valid email address)
  • Overdraft from Savings Account (restrictions apply)
  • Copies of check images (2 per monthly statement cycle)
  • Copies in excess of two can be reproduced at the current cost of research and $3 copy fee
Simplicity Checking
  • The online account that is environmentally friendly
  • Writing checks is optional with the convenience of a debit card and bill pay
  • $25
  • $10
  • Monthly service charge waived with enrollment in eStatements (valid email address required
  • Enrollment in eStatements
  • 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 Pay 5
  • Free eStatements (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)
  • Copies of check images (2 per monthly statement cycle)
  • 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 Assistance 3
  • $25
  • $8
  • $7 with enrollment in eStatements (requires valid email address)
  • No monthly service charge for customers 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 eStatements (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 Pro 3
  • Copies of check images (2 per monthly statement cycle)
  • 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
  • $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 eStatements (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.

(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.

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