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Convenient Checking Options

Compare Checking Accounts

Personal Checking Account Options

Explore our options to find the perfect fit for your lifestyle, and enjoy the convenience and flexibility of managing your finances with ease.

Features Student Checking Simplicity Checking Secure Checking Relationship Interest Checking

Description

  • A checking account for young adults 14-19 who are entering into a banking relationship
  • Requires a parent or guardian as joint owner
  • The online account that’s 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

(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

Free access to ATMs within MoneyPass network

Five checks/drafts per statement cycle ($1.00 each thereafter) (6)

Unlimited Visa  Debit/ATM Card usage

Free check safekeeping

Free access to ATMs within MoneyPass network

15 checks/drafts per statement cycle ($1.00 each thereafter) (6)

Unlimited Visa  Debit/ATM Card usage

Free check safekeeping

Free access to ATMs within MoneyPass network

Customers (65 and over) receive CWB Senior Secure checks at no charge or $5 discount off the retail price of personal check styles (no charge for 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/check fee will be incurred after five at the end of the monthly statement cycle)

Free access to ATMs within 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 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) 

Special Features and Service Available    

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 Pro (3)

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

Special Features and Service Available    

Student Checking
  • A checking account for young adults 14-19 who are entering into a banking relationship
  • Requires a parent or guardian as 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

Free access to ATMs within MoneyPass network

Free Online Banking

Free eStatements

(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
  • The online account that’s environmentally friendly
  • Writing checks is optional with the convenience of a debit card and bill pay                                                        

    

$25

$10

(waived with enrollment in eStatements, valid email address required)

Enrollment in eStatements

Not Applicable

Five checks/drafts per statement cycle ($1.00 each thereafter) (6)

Unlimited Visa  Debit/ATM Card usage

Free check safekeeping

Free access to ATMs within 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) 

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 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 ($1.00 each thereafter) (6)

Unlimited Visa  Debit/ATM Card usage

Free check safekeeping

Free access to ATMs within MoneyPass network

Customers (65 and over) receive CWB Senior Secure checks at no charge or $5 discount off the retail price of personal check styles (no charge for 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)

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

$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/check fee will be incurred after five at the end of the monthly statement cycle)

Free access to ATMs within 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. 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.

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