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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

Partners in Your Success
From left to right: John Tolomer, Anne Penachio, Frank Malara.

“Our law practice is all about helping clients and The Westchester Bank practices that same principle. That’s why we make good partners and really enjoy working together.”

John Tolomer, President & CEO, The Westchester Bank
Anne Penachio, Partner, Penachio Malara, LLP
Frank Malara, Partner, Penachio Malara, LLP


Latest News

The Westchester Bank Honored for 3rd Consecutive Year as a “Best Company to Work for in New York State”

Published 05/01/2019

The Westchester Bank, the leading community bank in Westchester County and one of the fastest growing in the country, was recognized on April 24th as a 2019 Best Companies to Work for in New York State. 

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