Tools & Resources

Use this form to ask questions about your account.

Here are answers to the most frequently asked questions about our banking services:

What are your CD interest rates?

What are your car loan interest rates?

What are your mortgage interest rates?

What are your hours?

Can I order checks over the phone?

Can I open or close an account by postal mail?

Can I pre-qualify for a loan?

Can I have my payroll check direct-deposited to my West End checking account?

What kind of information do I need to provide to start a loan application?

I have a bankruptcy, slow-pay, or other negative mark on my credit report. Can I still qualify for a loan?

What do I need to bring with me when I open a deposit account (checking, savings, CD, IRA, money market account, etc.)?

Can I order checks over the telephone?

No. A customer must come into a branch location and bring a check re-order form, a cancelled check, or a deposit slip. A teller or account representative will verify the information for the order and note any changes. Checks will be mailed directly to the address shown on the checks, unless otherwise noted within 10-14 business days.
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Can I open or close an account by postal mail?

An account can be closed by postal mail. A customer would need to send a letter identifying, by account number and primary account holder name, which account or accounts are to be closed. The letter would need to be signed and dated by the primary account holder. You must include a check or your passbook with the letter.
    An account, however, cannot be opened by postal mail. Appropriate identification documents are required when an account is opened and a customer signature is necessary on the signature card. A customer may visit any branch location and speak with an account representative during regular lobby hours to open an account.
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Can I pre-qualify for a loan?

Yes! In order to pre-qualify, a customer needs to meet with a loan officer for an interview. In the pre-qualification interview, the loan officer will discuss with the prospective borrower such details as debt-to-income ratio, employment, and other financial details.
    The loan officer will ask for a recent check stub and about current debt obligations. It is a good idea to write out a list of current monthly payments and outstanding debts owed and bring this to the interview. The loan officer will also ask about the probable source of down payment funds. A preliminary credit report will be obtained from a local credit bureau during the interview.
    With all of this information, the loan officer will discuss with the potential borrower appropriate loan products and loan amounts for which the applicant appears to qualify. The process takes about 30-45 minutes.
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Can I have my payroll check direct-deposited to my West End Savings Bank checking account?

Yes! Direct deposit must be initiated by the employer. A West End Bank, S.B. customer would talk to someone in the payroll department at their place of employment and request payroll direct deposit. The employee will need to contact the bank for a correct account number format. The designated payroll amount will then be automatically deposited in the customer's account.
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What kind of information do I need to provide to start a loan application?

Social Security number of all applicants

Residence addresses past two (2) years (include landlord's address if renting)

Names and addresses of each employer in the past two (2) years

Recent pay stubs and previous W-2 statements

Names, addresses, account numbers, balances for all checking and savings accounts, stocks and bonds (include statements if available)

Names, addresses, account numbers, balances and monthly payments for all open loans (include statements if available)

Schedule of real estate owned (include lender, loan amount, balance and account numbers)

Money for credit report and appraisal fees

If self employed.........see loan officer for requirements

Contract of sale and legal description

Divorce decree or separation agreement if applicable (all parties)

          

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I have a bankruptcy, slow-pay, or other negative mark on my credit report. Can I still qualify for a loan?

While negative credit reports can affect a person's ability to borrow money, at West End Bank, S.B., we make every effort to approve an applicant's request. Since every situation is different, we encourage you to talk with a loan officer about your loan needs. Please stop in one of our convenient branches or contact one of our loan officers about how they can make a difference for you!
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What do I need to bring with me when I open a deposit account (checking, savings, CD, IRA, money market account, etc.)?

All customers listed on the account must provide a valid picture ID and a social security card.
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