Business Banking

West End Bank, S.B. is a federally insured, hometown bank, which truly believes in putting the customer first. We pride ourselves in offering a variety of savings, checking, investment, retirement savings, business and loan accounts. Whether you are looking for a standard savings account or to consolidate your banking and financial services in one location, at West End Bank, S.B. we have the account options to meet your needs. If you would like to learn more about our account offerings, read the descriptions below and then stop by one of our convenient branches or e-mail our new accounts representative. West End Bank, S.B. is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.

West End Bank, S.B. provides several federally insured savings programs to meet your savings needs. Best of all, you can be assured that your savings at West End Bank, S.B. is reinvested locally. All deposit accounts at West End Bank, S.B. are FDIC insured.

Statement Savings Account

Open a Statement Savings Account with as little as $50. Interest is paid quarterly at the current interest rate if the account balance is maintained at $300.00. This account can be accessed at any West End office or through a West End ATM card. Check our current savings interest rates.

Christmas Club Account

A West End Christmas Club account allows you to save as little or as much as you want, whenever you want. Interest is paid quarterly at the current interest rate.

Vacation Club

A West End Vacation Club Account helps you save for vacation before you go. There are no restrictions on the amount you save. Start your club with a dollar and watch it grow as you add to it at your discretion. Interest is paid quarterly at the current vacation club interest rate.

Certificates of Deposit

Invest your money in a Certificate of Deposit for a period of 182 days to 5 years. West End CD's offer competitive interest rates which change periodically. There is a penalty for early withdrawal of any CD product.

Money Market Deposit Account

MMDA's offer the benefits of writing checks and/or transferring funds by phone to any West End Checking Account, while offering higher tiered, variable interest rates compared to the Sapphire Checking Account.

Traditional/Roth Individual Retirement Account

An IRA can be opened for as little as $50 and added to at any time. For most people, an IRA is an outstanding retirement investment program. Review our current interest rates or contact our IRA Coordinator for further information.

Checking*

West End Bank, S.B. is proud to offer a range of checking account options to our customers. Our Crown Jewel Checking accounts are designed to offer the widest range of draft account services. From low minimum balances to interest-bearing checking, see what a difference our Crown Jewel accounts can make for you.

Read the descriptions of our Sapphire or Ruby Plus accounts. Then, stop by one of our convenient, local branches or contact an account representative to start your Crown Jewel checking account.

West End Bank, S.B. offers many flexible loan plans to meet all your family's needs. We pride ourselves in making local decisions by local people. And most importantly, your West End loan is serviced locally. Please contact a loan officer for additional information about any service listed below, or to inquire about completing an application. West End Bank is an Equal Housing Lender.

Mortgage Loans

To purchase or refinance your home, West End has fixed or adjustable interest rates. We offer 0-point loans up to 97% Loan-to-Value. Our pre-qualification process assists you in determining your loan needs. Contact a loan officer for details.

Westline Home Equity Line of Credit

Use the equity in your home to finance other personal needs. We make second mortgage loans for almost any purpose. Whether you want to make some home improvements, consolidate debt, or finance a vacation, a home equity line of credit may be just the form of loan you need. This renewable source of credit is easy to access - just write a check! When you are approved, you can get the money you need, when you need it, without having to visit a loan officer every time. Contact a loan officer for details.

Home Improvement Loans

These loans are available for home additions, repairs, energy saving improvements and other remodeling projects. After determining your needs, stop in to complete an application. Contact a loan officer for details.

Construction/Permanent Loans

Combine construction financing with your permanent loan in one easy closing. Contact a loan officer for details.

Automobile Loans

West End makes loans for the purchase of a car, truck, or van. (Receive a 1/4% discount on the loan rate when the monthly payment is automatically deducted from your West End Checking Account). Check out our current car loan interest rates. Contact a loan officer for details.

Investment Property

For non-owner occupied residential properties. Contact a loan officer for details.

Personal Loans

Need money for a college education, a vacation, or any other purpose? Unsecured personal loans are offered to qualified individuals. We do our best to loan you money! Contact a loan officer for details.

West End Bank, S.B. is proud to offer a range of business account options to our customers.

Read the descriptions of our Checking Account Platinum, Checking Account Platinum Plus, Checking Account Business "NOW" Checking, Money Market Account, Debit Card, Line of Credit, and our Other Business Accounts and Services. Then, stop by one of our convenient, local branches or contact an account representative to start your business account.

Golden Perks Senior Club

Golden Perks for People Just Like You!

We at West End Bank, S.B. would like to introduce you to our senior club, Golden Perks. Golden Perks is an added bonus that we offer to our customers. As a customer of West End Bank, S.B. and a member of Golden Perks, you have the advantages of:

• Pay various local utility bills at our branches using one check and no stamps!
• Participating in quarterly “club” activities such as Golden Perks Bingo Night, along with day trips and sporting events.
• Receiving exclusive West End Bank, S.B. financial discounts, like our “Special Senior Monthly CD Rate”, while continuing to receive sound, accurate financial advice from our friendly customer service representatives.
• And best of all, you get to meet other Golden Perks members who enjoy the same things that you do!

To be a qualifying member you must:

• Members must be over the age of 50 years old
• Members must have a West End Bank, S.B. checking account or money market deposit account
• Members must have an overall West End Bank,S.B. deposit account balance of $10,000 or more (this can be made up of checking accounts, savings accounts, CD’s or IRA’s)

Come in to our Main Office in Richmond and ask for Tina Beach to review and discuss program details.

Traveler's Checks
Money Orders
MasterCard
ATM/Debit Card
Cash Advance
Overdraft Protection

For more information on these, and the full range of financial services offered at West End Bank, S.B., please contact our accounts representative. Feel free to send an e-mail, call, or stop by the branch office closest to you.

*West End Bank, S.B. deposit and loan products are available in our local service area only.

West End Bank, S.B. is now a site for accepting Wayne County Tax payments.  Have your taxes paid quickly and at your convenience.  Visit any of our locations when it is time to make a payment!

*A dollar charge will be assessed per parcel for non-customers.  West End customers will pay a dollar flat rate.