With the CardValet app, get ready to save time and gain peace of mind knowing you can control your WSB debit and credit card with the smartphone in your pocket or purse. If you can’t find your debit or credit card, you can instantly protect your card against fraud and theft by turning it on and off and get real-time alerts to ensure your card is used only by you.
Isn’t it nice to breathe easy?
We think so, too.
CardValet is just another way we’re here to help you keep things cool over complicated.
Cheers to that!
Connect with Us!
711 S. Westmore-Meyers Road
Lombard, IL 60148
With the growing use of online services, hackers have become an issue. West Suburban Bank offers convenient and user friendly online and mobile services to help minimize fraudulent activity from occurring on your WSB accounts.
Here are a few tips to help keep your accounts safe:
- Make sure to use a unique password for each site. This helps keep your other accounts safe if one of your passwords is compromised.
- When banking on a mobile device, the most important tip is to know where your mobile device is at all times. Make sure your phone locks after a certain amount of time (we recommend immediately) and create a password that only you know to get into your mobile device. If logging into your bank account using WiFi, only log in when connected to a secure, trusted WiFi source. This will prevent hackers from gaining access to your account.
- Keep your WSB debit and credit cards safe by using the CardValet app. With the CardValet app, you can instantly turn on and off your debit and credit card. You can get real-time alerts when your card is being used and even set transaction controls for dollar amount limits, merchant categories and geographic locations. These features ensure that you are the only one able to use your card.
Go to https://www.westsuburbanbank.com/CardValet.php to learn more about CardValet.
For more online and mobile banking tips, go to https://www.westsuburbanbank.com/online-banking-security.php
Now that the stress of the holiday season is behind us, it’s maybe the perfect time to consolidate any high interest credit card debt using the equity in your home.
A home equity line of credit (HELOC), from West Suburban Bank, can be used to consolidate all your bills into one payment. Chances are you will get a much lower APR, which will help you save money that can be used to pay off your debt sooner. The best part is a HELOC is a revolving line of credit. You can continue to borrow against it for any of your lending needs as you pay it down.
If you had a $25,000 Home Equity Line of Credit and you used $10,000 to consolidate high interest credit card debt, your loan balance would be $10,000 and you would still have available $15,000. As you make payments and pay down the balance, the principle amount paid off becomes available to be used again*. Let’s say, you paid $5,000 down within 6 months. Your available credit on the HELOC would be $20,000, which you could use for any purposes such as home improvement projects, tuition costs, or virtually anything else.
Take advantage of the equity in your home today. Check out of current Home Line of Credit promotion. It’s simple to apply. Just stop and apply today at any West Suburban Bank branch near you.
* During the “Draw Period”, minimum payments are accrued finance charges, any past due amounts, and other charges (if applicable). During the Draw Period, only making minimum payment will not reduce your outstanding obligation. An increase in rates will increase your monthly payment. After the Draw Period, all outstanding balance enters a “Repayment Period.” During this period, you will no longer be able to obtain credit advances and must repay the outstanding balance over a specified period of months. For additional information, please click here or speak with a WSB representative.
The New Year is right around the corner. What is your New Year’s Resolution? Is it to save money? Get out of debt? Start a home improvement project?
At West Suburban Bank, we care about our customers. Your goals are our goals. As your financial partner, we are available to help you achieve your goals.
Setting goals and creating a budget are a great way to get started. If you are looking to save more money in 2018, start by putting part of your paycheck into a separate savings account each month. There are two reasons for this:
- If your money is in a separate account, you don’t see it and are less likely to spend it.
- The longer you are not spending your money, the more time your money has to grow.
Consider consolidating high interest credit card debt with a WSB low interest rate credit card*. Our credit card program helps you pay off your existing credit card debt by lowering your interest rate; which saves you money and allows you to pay down your debt faster.
Our Home Equity Lines and Loans offer a flexible and affordable way to use the equity in your home. Use the equity in your home to finance a home improvement project, pay off medical expenses, or to get money for a dream vacation. West Suburban Bank can help you get the loan you need*. Visit us at https://www.westsuburbanbank.com/loans.php to learn more.
Being more aware of your money will help you prioritize on what you choose to spend your money on. It’s important to keep track of your finances and we offer the tools you need.
Use Online Banking to set account alerts. You can customize the alerts you receive directly to your mobile phone** or email.
With the mBanking app**, you have a safe and secure way to check your WSB accounts on the go.
Our CardValet app provides you with the ability to turn your debit and credit cards on and off, plus you can get alerts each time your card is used so you know exactly when and where your money is being spent.
To get started on your goals today, schedule an appointment online with one of our personal bankers to develop a plan. Tell us what your goals are and find out how we can help!
* All loans subject to credit approval. Property and flood insurance (if applicable, is required).
** Message and data rates may apply
West Suburban Bank is here to help our community and make lives easier with banking that’s easy to balance with a busy lifestyle. That’s why we provide the very best tools to get the job done—and complement it with the latest technologies and an open atmosphere. Whether you’re making a mobile deposit or coming in to start a brand new account, it’s our priority to efficiently get you exactly what you need. Learn more in our latest video.
Connect With Us!
Monday-Thursday 8:30 am – 6:00 pm
Friday: 8:30 am – 6:30 pm
Saturday: 8:30 am – 1:30 pm
DRIVE-UP & ITM HOURS:
Monday-Thursday 6:00 am – 7:00 pm
Friday: 6:00 am – 7:00 pm
Saturday: 6:00 am – 5:00 pm
Many consumers will do some, if not most, of their holiday shopping on the Internet. According to the National Retail Federation, the average shopper will do 44% of their holiday shopping online, most in survey’s history. But as more consumers turn to the Internet to do their shopping so do the fraudsters with their scams. West Suburban Bank® suggests that consumers follow some simple steps to protect themselves while shopping online
Some people like to shop online because of the convenience and others like the exclusive sales available only on the Web. Whatever the reason, we all have to take steps to protect ourselves and our financial information. Don’t let the spirit of the season get ruined by online fraud.
West Suburban Bank offers the following tips:
If you’re not sure, don’t share. Anyone can set up a website these days so be sure you’re familiar with the retailer’s site before you give them any of your financial information. The Better Business Bureau has a list of about 70,000 safe websites. Check it out at: http://www.bbb.org/online/consumer/default.aspx
Is the site secure? Look for the ‘s’ in https:// and a small padlock at the bottom of the screen before entering any payment information.
Know the terms of your purchase. Is the product returnable and if so, who pays the shipping fees? How long will the product take to ship? What does shipping cost? Read the fine print. If it’s not clear or you don’t agree, make the purchase elsewhere.
Print & Save. Be sure to print and save the transaction receipt, the order number, a customer service phone number, and any other information you can just in case there’s a problem with your order.
TMI. Don’t divulge too much information to anyone on the Internet. If a website is asking for your bank account number, social security number or driver’s license number, don’t share it.
Know your rights. If you suspect you are a victim of fraud, notify the financial institution involved, you can also contact the Federal Trade Commission at: http://www.ftc.gov/complaint.
Visit our Consumer Security Tips page to learn more about the ways you can be proactive in protecting your accounts.
WHEN THINGS GET COMPLICATED
“The Character Crisis”
At West Suburban Bank, there’s no need to pretend to be someone you’re not. We like you just the way you are. That’s why we don’t want you jumping through hoops to do your banking. Our simple flexible checking system adapts to your needs. Watch our latest video and see how you can keep it #CoolOverComplicated. Then, stop in, call (630) 652-2000 or make an appointment with us to learn more about how you can avoid monthly fees, per check charges and minimum balance requirements. Being yourself over someone you not? Now, that adds up.
Connect With Us!
Call 630-652-2000 for information
Monday-Thursday 8:30 am – 6:00 pm
Friday: 8:30 am – 7:00 pm
Saturday: 8:30 am – 3:00 pm