26 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 15, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Simple Secure Checking $6 · Interest Secure Checking $10
Compared at $8, the middle of its prices
Overdraft (OD)
Compared at $10, its standard fee, the highest of its prices
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from West Shore Bank’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per month
per item
per item
per item
per day · 4 items
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Monthly fee | $6 | per month | None |
| Monthly service fee | $10 | per month | None |
| New Deposit Account closed within 90 Days (audience not stated, treated as personal) | $25 | Not stated | None |
| Dormant Account Fee (audience not stated, treated as personal) | $7 | per month | None |
| Account Balancing Assistance ($30 Min) (audience not stated, treated as personal) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | per month | None |
| Undeliverable Statement/Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft (items paid) (audience not stated, treated as personal) | $10 | Not stated | None |
| Overdraft fee (each �me we pay an overdraft caused by ATM and Everyday Debit Card Transactions) | No charge | per item | None |
| Overdraft fee (each �me we pay an overdraft) | $10 | per item | None |
| Overdrafts caused by Debit Card/ATM | No charge | Not stated | None |
| NSF Fees (Items Returned) (audience not stated, treated as personal) | No charge | Not stated | None |
| Savings Overdraft Transfer (audience not stated, treated as personal) | No charge | Not stated | None |
| Overdraft Daily Maximum Cap (audience not stated, treated as personal) | $40 | per day | 4 items |
ATM & Card | |||
| Foreign ATM | $1.50 | per item | None |
| Foreign ATM Cash Withdrawal (audience not stated, treated as personal) | $1.50 | Not stated | None |
| Debit Card Replacement (audience not stated, treated as personal) | $7 | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wires | $25 | per item | None |
| Outgoing Domestic Wires (audience not stated, treated as personal) | $25 | per item | None |
| Incoming Domestic Wires (audience not stated, treated as personal) | $15 | per item | None |
Check Services | |||
| Cashier’s Checks (audience not stated, treated as personal) | $4 | Not stated | None |
| Personal Money Order (audience not stated, treated as personal) | $2 | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $35 | Not stated | None |
| Counter Checks (audience not stated, treated as personal) | $1 | per item | None |
| Check Cashing Fee (non-customer, not on us) (audience not stated, treated as personal) | $10 | Not stated | None |
| Collection Fee (not deposited at WSB) (audience not stated, treated as personal) | $20 | Not stated | None |
| Check Image Fee | $3Not compared: Monthly charge, not per item | per month | None |
Digital & Electronic | |||
| Bill Pay (audience not stated, treated as personal) | No charge | Not stated | None |
| Mobile Deposit (audience not stated, treated as personal) | No charge | Not stated | None |
Cash & Deposit | |||
| Chargeback (Returned Deposited Item) (audience not stated, treated as personal) | No charge | Not stated | None |
Account Services | |||
| Notary Service (non-customer) (audience not stated, treated as personal) | $10 | Not stated | None |
| 3x10 & 4x10 Inch (audience not stated, treated as personal) | $45 | Not stated | None |
| 3x4, 3x5, 5x5 Inch (audience not stated, treated as personal) | $35 | Not stated | None |
| 5x10 & 6x10 Inch (audience not stated, treated as personal) | $60 | Not stated | None |
| Appointment/Emergency Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Late Charge | $20Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10.5x10.5 Inch (audience not stated, treated as personal) | $90 | Not stated | None |
| Garnishments, Levies and Liens (audience not stated, treated as personal) | $75 | Not stated | None |
Gift & Prepaid Cards | |||
| Prepaid Gift Cards (audience not stated, treated as personal) | $4 | per item | None |
Other Fees | |||
| Activity/Statement Printout | $5 | Not stated | None |
| Additional Statement | $5 | Not stated | None |
| Fax Services (audience not stated, treated as personal) | $2.50 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee change alerts
We check once a day and send one email covering every change.