Bank Services

Available Now!  "AnyTimeLender"  

        Click here to apply for a Consumer Loan

AnyTimeLender is an Internet-based lending product that enables you to apply Online (some loan applications may require additional detail depending on the loan type).   AnyTimeLender generates decisions based on The West Michigan Savings Bank's lending policies. 


* Apply for consumer loans from the comfort of your home.  

* Customers can apply 24 hours a day.


Internet Banking allows you to securely access all of your accounts 24 hours a day from anywhere.  With Internet Banking, you can see what checks have cleared, print check images, schedule payments and transfer money.  You can also send secure messages to The West Michigan Savings Bank personnel by using the Secure Forms feature.


Click here to enroll in Online Bill Pay and/or Internet Banking

Bill Pay is a great way to organize your bills.  As you set up your Bill Pay account, you can receive all of your bills at one secure location.  After viewing the bill, you have the choice to electronically pay or to send a personal check to pay your bill.  Bill Pay gives you the freedom to pay your bills from anywhere at anytime.

Available Now! MasterCard Debit Card      

The West Michigan Savings Bank MasterCard Debit Card* offers a more convenient way to pay for your purchases. Use it instead of checks anywhere you see the debit MasterCard® logo. Plus, The West Michigan Savings Bank MasterCard Debit Card* can be used at ATMs, providing the cash you need.  Best of all, there's no annual fee - it's free for life!

Benefits of the MasterCard Debit Card

  • No checkbook to carry
  • No Identification to show
  • No waiting in long lines for check approval
  • Can be used as an ATM card
  • Transactions are detailed on your monthly checking account statement
  • It is safer and more convenient than carrying cash
  • $500 daily limit and $1500 daily purchase

Also, as an added security feature, MasterCard offers "MasterCardSecureCode".

Get ready to shop on the Internet with added confidence. With MasterCard SecureCode, only you can use your card to buy online.  MasterCard SecureCode enables you to approve and sign a purchase receipt whenever shopping online at a MasterCard SecureCode merchant. You are totally protected, since you approve each purchase with your own secret SecureCode™. Your shopping experience is unchanged: you enter your card details and click.   Follow the secure MasterCardSecureCode link and enroll to begin your secure internet shopping.




Purchase American Express Travelers Checks at

The West Michigan Savings Bank



Other Savings Bond Links

Savings Bond Calculator Calculate the current value of your Savings Bonds

Growth Calculator  Use the Growth Calculator to see how savings bonds can help you reach your financial goals. 

Savings Planner  With the Savings Planner, you can find out how to set up a regular savings plan.

Tax Advantages Calculator  The Tax Advantages Calculator shows just how competitive your savings bond investment can be.

Savings Bond Wizard ®  Download your own Savings Bond Pricing Tool

You can order your checks online just like you do when you come into the Bank.  Click the link to the right. You'll see how easy it can be.





Frequently Asked Bill Pay Questions

Frequently Asked Bill Pay Questions

Q: Is there a set-up fee or monthly charge for Bill Pay?
No. The West Michigan Savings Bank offers Bill Pay for FREE!

Q: How does bill payment work?
A: To help you understand the process, we have provided a diagram below.

Q: Is it possible to schedule recurring payments?
Yes. You can schedule weekly, semi-monthly, monthly, quarterly, semi-annually, or annually recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: How do I register for electronic bill payment?
Bill Payment registration is easy!

The first time you attempt to access the bill payment section of Online Banking, you will be prompted to begin online registration. Once your registration is approved, you will receive a welcome email from Metavante (our bill payment service provider), usually within 24 - 48 hours.
Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q: Can I receive an annual summary of my bill payments sorted by category or payee?
You can create this report in the View Payments section by scrolling down to Payee Filter and changing the dates and selecting a payee.

Q: Can I use electronic bill payment with all my accounts?
No, only one designated checking account can be used for bill payment purposes.

Q: When is bill payment available?
You can schedule payments 24 hours a day, seven days a week.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?
You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?
Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Is there a limit to the number of bill payment checking accounts I can set-up?
Yes, you are limited to one bill payment checking account.

Q: Who can be paid using the bill payment system?
Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?
You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or a bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
Each bill payment is debited separately.

Q: How is my account debited?
Your account is debited via ACH.

Q: What is ACH?
Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee.

Q: How do I place a 'stop payment' on a bill payment?
A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.

 Return to Q&A

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* Please set up payment 10 days prior to payment due date.
Allow a 2-day delay for new payees.

Common Features

The following features may be assessed against your account and the following transaction limitations, if any, apply to your account.

WMSB Bill Pay Stop Payment

 $ 30.00

Amortization schedule

  $ 10.00

ATM card/Debit card


ATM card/Debit replacement card

$ 5.00

Cashiers checks/drafts



$ 2.00

     Non-Customer up to $1,000 only

$ 5.00

Certified checks


Collection items 


Counter checks 

        $.25 @

Coupons deposited 


Customer research 


     Up to ten items

 $2.00 @

     Over ten items

$25.00 per hr

Statement request 


Statement (activity) 


Escheating/Ascheating recovery 


Fax Service (first page) 


     Each additional page




Levy/state tax warrant 


Money orders / Customers

Money orders/ Non-Customer up to $1000            N/A
Night deposit/lock bag (annual) 



 $.50 @

Traveler's checks   


 Non-Customer per $100 up to $1000


Wire transfers/incoming   


Wire transfers/outgoing  


Wire transfer/international 


Zipper bags (first one free to business customers) 


We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.  Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty.  See your notice of penalty for early withdrawal.

NOTICE: <:The West Michigan Savings Bank:>