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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

More information and Schedule of Fees for TWB’s Personal Services - 287 kb pdf will open in a new window

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

Your Recipe For Success
From left to right: Mike Brady and John Tolomer.

“Greyston Bakery had very specific financing needs. The Westchester Bank understood those needs because they listened . . . and they’re local.”

Mike Brady, President & CEO, Greyston Bakery, Inc
John Tolomer, President & CEO, The Westchester Bank


Latest News

The Westchester Bank Receives Top 10 Honors as a "2018 Best Companies to Work for in New York State"

Published 06/05/2018

The Westchester Bank has recently been honored as a 2018 Best Companies to Work for in New York State. This is the second consecutive year the Bank has been so recognized. It is also their first time as a “Top 10” Best Company in the small-sized employer category (ranking #9).

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