WestBridge Bank Personal Banking -
Checking, Savings & Money Market Accounts

Update to Expanded FDIC Insurance Coverage!

WestBridge Bank and Trust Company is participating in the Federal Deposit Insurance Corporation (FDIC) Transaction Account Guarantee Program. Under this program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. This includes Interest on Lawyers Trust Accounts (IOLTA).  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Additionally, all FDIC deposit insurance has been extended to $250,000 per depositor through
December 31, 2013!  On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor.

For business clients with a WestBridge Business Sweep Account, all balances are fully insured for the account balance in their Business Sweep Checking Account, and insured up to $250,000 for their invested funds above the "target" balance. Coverage under the Transaction Account Guarantee Program is in addition to and separate fom the coverage available under the FDIC's general deposit insurance rules. If we can provide any additional information about your accounts or FDIC insurance coverage, please contact a WestBridge Private Banker, by telephone at 636-449-8500, or email, at online@westbridgebank.com.

Business Clients can save time and money with WestBridge Bank’s Office Deposit Express! Now send your daily deposits from your office PC directly to your bank account.  Save the time and money you now spend on daily trips to the bank. Read More.

The One Account - Combines checking convenience and Earn Market Interest!

• Tiered interest rates. See Home Page for current rates
• Free ATM access anywhere
• Free Debit Card
• Free Online Banking & Bill Pay
• Free first order of checks
• Direct Deposit Required
• $100 minimum deposit
• No monthly service charge of $10.00 with a $2,500 average daily balance

The WestBridge Bank Checking Account

• A non-interest bearing checking account with unlimited check writing.
• No monthly service fee as long as the account maintains a minimum daily balance of $600.00, or an average daily collected balance of $500.00, during the statement cycle. Otherwise, a $ 6.00 fee is charged to your account.
• A monthly statement with check images.

• Earn interest at very competitive interest rates with checking account flexibility.
• Unlimited check writing with a monthly statement and check images.
• No monthly service fee as long as the account maintains a minimum daily balance of $1,200.00, or an average daily balance off $1,000.00, during the statement cycle.
• If the balance falls below $1,000.00, no interest will be earned.
• Your account earns interest based on the following balance tiers:
  $0.00 - $999.00
  $1,000.00 - $9,999.00
  $10,000.00 - $24,999.00
  $25,000.00 - $49,999.00
  $50,000.00 and over
  

• Top earning interest bearing account with a monthly statement and check images.
• No monthly service fee as long as the account maintains a minimum daily balance of $5,000.00, or an average daily collected balance of $4,000.00, during the statement cycle. Otherwise, a $10.00 fee will be charged on your account statement.
• Check and withdrawal transactions are limited to six pre-authorized debits per statement cycle, three of which may be third party checks or three transfers. Unlimited withdrawals are allowed "in person."
• A $10.00 fee per transaction is charged for pre-authorized transactions over three per month.
• Your account earns very competitive interest rates based on the following balance tiers:
  $0.00 - $999.00
  $1,000.00 - $9,999.00
  $10,000.00 - $24,999.00
  $25,000.00 - $49,999.00
  $50,000.00 and over
  

• Earn interest at competitive rates.
• A quarterly account statement.
• No service charge as long as the account maintains a minimum daily balance of $300.00, or an average collected balance of $200.00. Otherwise a monthly fee of $3.00 is charged to the account.
• Ask us about savings accounts for children, too!

• Access any of the above accounts to withdraw cash or transfer funds between your accounts at ATMS, at no charge. WestBridge Bank pays your fees!
• Obtain your account balance.
• Use your Check Card for purchases at merchants or stores displaying the Plus, MasterCard, Maestro or Cirrus logos. Purchases will be deducted from your WestBridge Checking account.
• Always keep your Personal Identification Number (PIN) confidential. Never give anyone your PIN number, social security number or bank account numbers. By being careful, you can be your best defense against fraud. Call us immediately at 636-449-8500 if your Check Card is lost or stolen, or if you feel someone else knows your PIN number.

• Direct Payment or Direct Deposit of payroll.
• Sign up for recurring payments and save time and postage by having accounts charged for monthly payments.
• Wire Transfer
• Online Banking and Bill Payment
• Official Checks and Money Orders
• Safe Deposit Boxes
• Travelers Checks
• Notary Service
•  Savings Bonds
•  Credit Cards

WestBridge Health Savings Account (HSA)

• Open this account for paying qualified expenses under a High Deductible Health Plan
• Earn interest on the account balance
• Free Debit Card and Online Banking
• Imaged monthly bank statement
• Low Monthly Account Maintenance fee of $2.00 for unlimited transactions
• Toll-Free Number for Account Information
  866-305-0802
• Click Here to Read More about HSAs and Contact Us for more details

WestBridge Safe Deposit Box Rentals

Safe Deposit Boxes are available for WestBridge clients that need to secure important papers and items of value. Open a box today and enjoy the peace of mind knowing your belongings are safe and secure. Box availability may vary.

Box Sizes and Annual Rental Fees:

• 3X5 =  $40.00

• 3X10 = $45.00

• 5X10 = $70.00

• 10X10 = $100.00

General Information 

• A deposit of $100.00 is required to open any transaction account.
• For Interest Checking and Money Market Accounts, interest will be compounded daily. Interest will be credited monthly to your account. If you close your account before interest is credited, you will not receive the accrued interest. We use the daily compound method to calculate the interest on your account. Interest begins to accrue from the date of deposit. Interest rates are subject to change.
• For Savings accounts, interest will be compounded daily and credited quarterly to your account. Interest begins to accrue from the date of deposit.
• Please contact us for interest rate and annual percentage yields.
• All accounts are FDIC insured.

• Earn very competitive interest rates.
• $1,000.00 minimum opening deposit.
• Many options for payment of interest, tailored to your needs.
• Terms from three months to five years are available.
• Penalties required for withdrawals of principal, prior to maturity.

• Easy to read monthly statement with check images.
• No monthly service fee as long as the account maintains a minimum daily balance of $3,000.00 or an average daily collected balance of $2,000.00. Otherwise, a $10.00 monthly fee is charged to the account.
• Up to 50 transactions each month without any additional fee. A $0.50 per transaction fee is charged for all transactions over 50 during the statement cycle.
• Office Deposit Express

• For accounts with over 50 transactions each month.
• Easy to read monthly statement with check images.
• A $12.00 monthly maintenance fee with account analysis.
• A $0.15 per debit or internal credit posting analysis charge.
• A $0.10 per item deposited analysis charge.
• A $0.30 per deposit analysis charge.
• An account earnings credit based on the 91 Day Treasury Bill Rate.
• Office Deposit Express

• Top earning interest bearing account for sole proprietorships, government entities, and not-for-profit organizations.
• Easy to read monthly statement with check images.
• No monthly service fee as long as the account maintains a minimum daily balance of $5,000.00, or an average daily balance of $2,000. Otherwise, an $8.00 monthly fee is charged to the account.
• Up to 50 transactions each month without any additional fee. A $0.50 per transaction fee is charged for any transaction over 50 during the statement cycle.
• Office Deposit Express

• Top earning interest bearing account with a monthly statement and check images.
• No monthly service fee as long as the account maintains a minimum balance of $5,000.00, or an average daily collected balance of $4,000.00 during the statement cycle. Otherwise, a $10.00 fee is charged to the account.
• Withdrawal transactions are limited to six pre-authorized debits per statement cycle, three of which may be third party checks or three transfers. Unlimited "in person" withdrawals are permitted.
• A $5.00 transaction fee is charged for each transaction in excess of the three pre-authorized transactions.
• If the balance falls below $1,000.00, no interest will be paid to the account.

• Earn top interest rates on idle checking balances.
• Nightly, Westbridge sweeps idle balances to an interest bearing Money Market Savings account.
• Money Market Savings Withdrawal transactions are limited to six pre-authorized debits per statement cycle, three of which may be third party checks or transfer. Unlimited "in-person" withdrawals are permitted.
• Monthly Account Analysis, with easy to read monthly statement with check images.

• An interest bearing account for savings.
• No service fee is charged as long as the account maintains a minimum daily balance of $300.00, or an average daily collected balance of $200.00.
• A monthly fee of $10.00 is charged if the account falls below the balance requirements.
• Receive a quarterly account statement.

• Small Business Checking Accounts require a $100.00 minimum opening deposit.
• All other accounts require a $500.00 minimum opening deposit.
• For Business Interest Checking accounts, interest will be compounded daily, and credited monthly to your account. If the account is closed before interest is credited, no interest will be received.
• We use the daily compound method to calculate interest on your account.

• Office Deposit Express
• Wire Transfers and ACH Services
• Business Online Banking
• Safe Deposit Boxes 
• Merchant Bank Card Services
• Business MasterCard Check Card
• Official Checks and Money Orders
• Notary Services
• Treasury Tax and Loan Deposits
• Cash Management Services - Information Reporting, Positive Pay
• Corporate Credit Cards
• Lockbox Services
• WestBridge Bank Telephone Banking for 24 hour access to account information
• Access Account Statements Electronically over a secure site or Online Banking
• All accounts are FDIC insured
  

Contact any of our Private Banking Staff for more information:

Diane DeNagel, Private Banking Officer
636-449-8504
ddenagel@westbridgebank.com

Christy Diepenbrock, Private Banking Officer
636-449-8502
cdiepenbrock@westbridgebank.com