Compare Accounts
Side-by-side comparison of all our account types. Find the account that best matches your financial needs and lifestyle.
Account Features at a Glance
Use this comprehensive comparison to evaluate our checking, savings, current, fixed deposit, and business accounts across the features that matter most to you.
| Feature | Checking | Savings | Current | Fixed Deposit | Business |
|---|---|---|---|---|---|
| Monthly Fee | $0 with min. balance | $0 | $0 with min. balance | $0 | $12.00 |
| Minimum Balance | $500 | $100 | $500 | $1,000 | $2,500 |
| Interest Earning | Up to 2.50% APY | Up to 4.25% APY | |||
| Debit Card Included | Free Visa/MasterCard | Free Visa/MasterCard | Free Visa Business | ||
| Online Banking | |||||
| Mobile Access | View-only | ||||
| Transfers Included | Unlimited free | 5 free per month | Unlimited free | N/A (locked term) | 50 free per month |
| Overdraft Facility | Subject to approval | Subject to approval | Subject to approval | ||
| Multi-Currency | USD, EUR, GBP | USD, EUR, GBP | |||
| Cheque Book | First book free | First book free | First book free | ||
| Dedicated Support | Standard 24/7 | Standard 24/7 | Standard 24/7 | Standard 24/7 | Relationship Manager |
| Accounting Integration | QuickBooks, Xero | ||||
| Best For | Daily spending | Building savings | Everyday banking | Long-term growth | Business operations |
| Open Online | Yes | Yes | Yes | Yes | Yes |
Which Account Is Right for You?
A quick guide to matching your needs with the right account type.
Choose Checking or Current If...
You need an account for daily transactions — receiving your salary, paying bills, shopping with a debit card, and transferring money. These accounts are built for frequent use and come with unlimited transactions and a free debit card.
Choose Savings If...
You want to build an emergency fund, save for a specific goal, or grow your money over time with competitive interest rates. Savings accounts are ideal for funds you do not need to access daily and reward you with interest for keeping money in the account.
Choose Fixed Deposit If...
You have a lump sum you want to lock away for a set period — from 1 month to 5 years — to earn the highest interest rates we offer. Fixed deposits guarantee your returns with zero risk and are perfect for long-term financial planning.
Choose Business If...
You run a company, partnership, or sole proprietorship and need an account that handles business transactions, supports multiple users, integrates with accounting software, and provides a dedicated relationship manager for your banking needs.
Frequently Asked Questions
Common questions about choosing and switching accounts.
Absolutely. Many customers maintain both a current account for daily spending and a savings account for building wealth. You can also hold a fixed deposit alongside your other accounts. All your accounts appear in a single online banking dashboard, making it easy to manage your entire financial portfolio from one place.
Switching is straightforward. Open your new account with us, then use our account switching service to transfer your direct deposits, standing orders, and bill payments. Our team can guide you through the process. Most switches are completed within 7 to 10 business days.
There are no fees for closing a checking, savings, or current account with Whitestone Trust Credit Union. For fixed deposit accounts, early withdrawal before the maturity date may result in a penalty on the interest earned. Business accounts can be closed at any time with no closure fee, provided there are no outstanding obligations.
All account types require a valid government-issued ID (passport, national ID, or driver's license) and proof of address (utility bill or bank statement from the last 3 months). Business accounts additionally require business registration documents, tax identification number, and information about company directors and beneficial owners.
Found the Right Account?
Whether it is checking, savings, or a fixed deposit — open your account online today and start banking with confidence.