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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

Driven to Make You Succeed
From Left to Right: Jonathan Gran, John Tolomer

“When I call my banker I know I’ll get service that’s responsive and personal. In today’s tough economy, The Westchester Bank is like a breath of fresh air.”

Jonathan Grant, Owner, Central Avenue Nissan, Central Avenue Chrysler, Jeep Dodge, Chrysler Jeep Dodge of White Plains, White Plains Hyundai  
John Tolomer, President & CEO, The Westchester Bank


Latest News

The Westchester Bank continues Growth with Newest Branch Opening in Ossining

Published 10/14/2019

The Westchester Bank, continuing to expand its countywide footprint, is pleased to announce the opening of its newest branch located at the Arcadian Shopping Center, 240 South Highland Avenue in Ossining.

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