Coronavirus (COVID-19) Update
As a precaution, we’re restricting lobby access to appointments only. Please contact your local branch to set an in-person appointment. We’ll continue to provide you with the highest level of service through our drive thrus, ATMs and night depository where available. Great Western ebanking is available 24/7. Read More
Personal Checking Accounts
Checking options that fit your lifestyle? Check.
Which of our great checking accounts is right for you? We offer accounts with no service fees, low service fees, accounts that pay interest — and definitely an account that’ll fit the way you manage your money.
Checking Comparison Chart
Here they are, all in one place — so you can see at a glance which of our checking accounts is the perfect fit for you.
| Your Benefits | Digital Checking |
Free Checking | VIP Free Interest checking | Performance+ Checking |
|---|---|---|---|---|
| Get Started | Open | Open | Open | Open |
| Requirements | None | None | Direct Deposit or be 50+ years old | None |
| Minimum Deposit to Open | $50 | $50 | $50 | $50 |
| Monthly Service Fee | $6.00 unless customer has 25 debit card transactions and a direct deposit1 |
None | None | $8.00 if balance falls below $1,000 |
| Interest Bearing | No | No | Yes2 | Yes2 |
| Interest Tiers | N/A | N/A | Single Tier | >= $25,000 >= $50,000 |
| ATM Fees | Three ATM fee refunds3,4 | Access to over 35,000 surcharge-free ATMs. $2.50 per withdrawal for out-of-network ATMs4. | ||
| Personal Checks | Customer pays for checks. | |||
| Overdraft | In the case of an overdraft, a $35.00 per item or $175 daily max overdraft fee will apply. | |||
- Debit cards with no monthly fees
- Free online banking and bill pay
- Free mobile banking with mobile check deposit
- Free online statements
- Free access to Visa Secure Remote Commerce
1To qualify for the monthly Service Charge reversal, 25 debit card purchases (online or in person) posted to your account and receipt of at least one ACH (direct deposit) transaction into the account must be completed by the last day of your statement cycle. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit. $2.00 monthly fee if online statements are declined.
2Simple interest compounded monthly.
3The first three out-of-network ATM transaction fees will be refunded to your account.
4ATM Fees: When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction, and you may be charged a fee for a balance inquiry at an ATM. "Out of Network" means ATM transactions occurring out of the MoneyPass or Shazam Privileged status ATM networks. For in-network ATM options, go to www.greatwesternbank.com/locations.
ATMs outside of the United States are also considered out-of-network ATMs.
The customer is responsible for the purchase of checks. In the case of an overdraft, a $35 per item or $175 daily max overdraft fee will apply. A $2.50 per withdrawal fee will apply for out-of-network ATMs.
All checking products and services are subject to applicable customer agreements, terms and conditions. Offers apply to personal checking accounts only; business and corporate accounts do not qualify. Bank rules and regulations apply. Minimum opening deposit is only $50.