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Additional Services

Overdraft Protection

SHAZAM®Chek Business Debit Card

VISA Business Credit Card

Merchant Credit Card Services

Online Check Reorder

VISA Gift Cards

VISA Travel Cards

Safe Deposit Boxes

Night Drop

Convenient ATM

West Chester TeleBank

Overdraft Protection

Sign up to protect your account against overdrafts. Advances will be made automatically from savings, checking, or a Business Line of Credit to your checking account.

SHAZAMChek Business Debit Card

Our SHAZAMChek Business Debit Card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas or anything else wherever MasterCard© is accepted. Plus, SHAZAMChek Business Debit Card performs all the functions of an ATM card.

Apply for yours today

To apply, complete an application available at our office during normal banking hours. You can expect your SHAZAMChek Business Debit Card to arrive within 10 business days of your approval. Your pin will be sent to you in a separate mailing. If you prefer to choose your own pin please let us know at the time you turn in your completed application. Before you know it you’ll be experiencing all the benefits of check-less banking with one simple card.

VISA Business Credit Card

  • No finance or service charge will be assessed on purchases of goods or services if payment is received in full within 25 days of the closing date of the prior billing period. On cash advances finance charges are assessed from the day the cash advance posts to your account until the day we receive payment in full.
  • Annual membership fee is $20.
  • The Average Daily Balance method is used to calculate the finance charge, $.50 minimum finance charge.
  • Returned check fee - $10; Overlimit fee-None; Late payment fee - $10.
  • Cash Advance fee - 2.0% of advanced amount; (Minimum $2.00; Maximum $10)

View Details

For lost/stolen debit cards, call 1-800-383-8000

Merchant Credit Card Services

West Chester Savings Bank offers Merchant credit card processing services for our Business and Commercial customers.

The two programs available are:

Program Discription
"Cost +" Merchant pays all expenses
"Straight Percentage method" Merchant pays a percentage based on sales


To find out more or have a personalized proposal for your business drawn up give us a call to set up an appointment with Jean Wehr, or you can email talk2us@wcsbank.com.

Online Check Reorder
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VISA Gift Cards

The VISA Gift Card is the perfect gift.  You decide the amount and the recipient decides where to use it.  It can be used everywhere VISA Debit Card is accepted!  The card can be purchased for a minimum of $10 to a maximum of $750.  
See a Personal Banker for more details.

VISA Travel Card

Get ready to travel in style with our VISA Travel Card! It’s a great way to make sure your money is safe while traveling.  These cards can be used everywhere VISA is accepted. The card can be loaded with a minimum of $100 to a maximum of $5,000.  These are just a few advantages why you need to purchase a VISA Travel Card:

  • Simple & Easy to use
  • Reloadable
  • Accessible by ATM
  • Check balances online
  • Replaceable if lost or stolen

See a Personal Banker for more details.

Safe Deposit Boxes

West Chester Savings Bank has Safe Deposit boxes available for your use. Conveniently store valuables, car titles, mortgage abstracts, and more in a variety of different sized boxes.

Sizes available and their corresponding annual rental fee are as follows:

Box Dimensions Annual Rent
3 x 10** $20
5 x 10** $40
10 x 10** $80

** Please check with the bank for availability.

Night Drop

Need to make a deposit but your running late? We have a handy night deposit located at the east end of our drive thru window. Drop your transaction through the slot and it will be safe and protected from the weather. We then verify and process it the very next business day at 7:30 a.m.

Convenient ATM

logo privilegedAlso for your convenience we have a drive thru ATM located on our premises. You can check your balance, make deposits, withdraw cash, even transfer funds from savings to checking. All you need is your SHAZAMChek card or ATM card.

West Chester Savings Bank customers should look for the Privileged Status symbol at any ATM across the state of Iowa. Customers are not charged transaction fees at any of those ATM.

West Chester TeleBank

West Chester TeleBank brings account information to your fingertips 24 hours a day by simply using a touch tone telephone.  It’s free, convenient and easy to use.  You have 24-hour access to all your West Chester Savings Bank accounts including Checking, Savings, Money Market, Loans, and CD’s.  Plus you can complete an authorization form to enable yourself to transfer funds between your deposit accounts.

Our toll free number to reach TeleBank is 1-800-757-1748.

Learn More about TeleBank