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Personal Services

Personal Checking Accounts

  • No minimum balance requirements
  • Free online billpay
  • Free use of ATM network worldwide
  • Free smartphone app, telephone banking and online banking available
  • Unlimited check writing privileges
  • First check order free
  • Free ATM/Debit Card

Personal Savings Accounts

  • No minimum balance to earn interest
  • No monthly maintenance fees
  • Free ATM/Debit Card
  • Free smartphone app, telephone banking and online banking available

IRA Plans

The Westchester Bank offers Traditional IRA and Roth IRA plans. Funds may be placed in a Certificate of Deposit or Money Market Savings Account. Annual Contributions may be made anytime within the limit allowed by the IRS.

Traditional IRA 

  • Contributions may be tax-deductible
  • Contributions can be made until age 70½
  • Earnings are tax-deferred
  • Earnings and contributions are taxed at the time of withdrawal
  • Minimum withdrawals are required at age 70½

Roth IRA

  • Contributions are non-deductible
  • Contributions can be made at any age
  • Tax-free earnings
  • No minimum withdrawals required

Money Market Accounts

  • Earn competitive interest rates and maintain easy access to your funds
  • Access account via ATM, telephone or online
  • Free ATM access worldwide

Other Services and Features 

  • Mobile Banking
  • Overdraft Lines of Credit
  • Savings Bonds
  • Credit Cards
  • Combined eStatements
  • Reorder checks through the Bank’s website

Click here for more information about our Personal Accounts

MONEY MARKET ACCOUNT 1.00% ANNUAL PERCENTAGE YIELD Click to Learn More

Serving Those Who Help the Community
From Left to Right: John Tolomer, Maria Elena Perez

“The Westchester Bank provided the financing we needed for a major construction project. I like the fact that they’re local, friendly and easy to work with.”

John Tolomer, President & CEO, The Westchester Bank
Maria Elena Perez, Executive Director, Methodist Home for Nursing and Rehabilitation


Latest News

The Westchester Bank Achieves ‘Best Bank to Work For in the U.S.’ Honors For Second Consecutive Year!

Published 09/06/2019


The Westchester Bank has been selected and honored as a 2019 Best Bank to Work For in the United States. This annual American Banker Magazine recognition identifies and recognizes U.S. banks for outstanding employee satisfaction, the results of which were released in its September issue. Only 85 banks nationwide made the 2019 list with The Westchester Bank receiving an impressive #16 ‘Best Banks to Work For’ overall ranking!

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