Westbury Bank logo

Westbury Bank in Waukesha, WI

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Westbury Bank is a community-focused Wisconsin bank offering personal and business checking, savings, credit cards, and HSAs with emphasis on fraud protection and local engagement.

Data compiled from public sources

Westbury Bank Review

Westbury Bank is a community-based bank operating in Wisconsin that is approaching its 100-year anniversary in 2026. The institution positions itself as a customer-first bank dedicated to serving local communities with personalized financial solutions rather than aggressive sales tactics. The bank has invested in modernizing its digital infrastructure, recently launching upgraded online and mobile banking platforms designed for ease of use.

Westbury Bank offers a comprehensive suite of consumer and business banking services including checking accounts, savings products, health savings accounts, debit cards, and credit card offerings. They have recently introduced the Visa Zero+ Credit Card with promotional low introductory rates on purchases and balance transfers. The bank distinguishes itself through strong fraud prevention initiatives, active community involvement with financial literacy seminars and local events, and a commitment to personalized customer service.

Customer testimonials highlight the professionalism and approachability of their banking staff, particularly in areas like retirement planning, estate planning, and student account setup. A notable feature is their dedicated fraud prevention focus, with messaging about protecting customers of all ages and specific solutions for business fraud prevention. The bank operates multiple physical locations with advertised hours and maintains a direct customer service phone line.

Westbury Bank appears to be a solid regional banking option for customers seeking a community-oriented institution with modern digital capabilities, particularly those in Wisconsin who value local banking relationships and fraud protection.

Services & Features

Business checking accounts
Credit cards (including Visa Zero+ with promotional rates)
Customer service via phone (1-800-679-8287)
Debit card services with mobile app management
Fraud protection and prevention services
Health Savings Accounts (HSA) with tiered APY rates
Multiple physical branch locations
Online account opening
Online and mobile banking platform
Personal checking accounts
Retirement planning and estate planning services
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Recently upgraded online and mobile banking platform with improved user interface and functionality
  • Health Savings Account with tiered APY rates (0.25% for balances under $10K, 0.40% for $10K+)
  • Online account opening available, reducing time needed to become a customer
  • Comprehensive fraud protection messaging and dedicated fraud prevention solutions for business customers
  • Active community engagement with financial literacy seminars and local events
  • Personalized banking services including retirement planning and estate planning assistance
  • New Visa Zero+ Credit Card with low introductory rates on purchases and balance transfers

Cons

  • Limited information on specific APY rates for standard checking and savings accounts beyond HSA offerings
  • No transparency regarding minimum deposit requirements or account maintenance fees
  • Appears to be geographically limited to Wisconsin communities, reducing accessibility for out-of-state customers
  • No information provided about business loan products, commercial lending, or SBA loan offerings
  • Limited detail on debit card features beyond basic mobile app management and spending alerts

State Consumer Finance Context

This is state-level context for Banks consumers in Waukesha, WI. It does not confirm that Westbury Bank or this specific location is licensed.

State regulator

Wisconsin Department of Financial Institutions

Key state rules to check

  • Wisconsin has no usury cap for licensed lenders, allowing unlimited payday loan rates.
  • Payday loans are governed by the Wisconsin Consumer Act but without rate caps.
  • Licensed lenders must disclose APR and fees but are not limited by them.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Westbury Bank processed 136 mortgage applications in 2023, with 97.1% recorded as approved across 1 states.

136

Applications

97.1%

Approval Rate

$359K

Avg Loan

1

States Served

Approval Rate by Applicant Income

Under $50K
77.8%
$50K–$100K
98.1%
$100K–$200K
98.2%
Over $200K
100%

Based on 136 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Wisconsin 136 apps · 95.6%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Westbury Bank offer?

Westbury Bank offers 12 services including Personal checking accounts, Business checking accounts, Savings accounts, Health Savings Accounts (HSA) with tiered APY rates, Online and mobile banking platform, and 7 more.

What profile signals are listed for Westbury Bank?

Westbury Bank has profile signals associated with Wisconsin residents seeking community-focused banking with personalized service, Customers prioritizing fraud protection and security for personal and business accounts, Business owners looking for local banking relationships with dedicated fraud solutions, Individuals interested in health savings accounts with competitive tiered rates.

What are the strengths and weaknesses of Westbury Bank?

Key strengths: Recently upgraded online and mobile banking platform with improved user interface and functionality; Health Savings Account with tiered APY rates (0.25% for balances under $10K, 0.40% for $10K+); Online account opening available, reducing time needed to become a customer. Areas to consider: Limited information on specific APY rates for standard checking and savings accounts beyond HSA offerings; No transparency regarding minimum deposit requirements or account maintenance fees.

How does Westbury Bank compare to similar companies?

In the Banks category, comparable providers include Bank Cmg, Bank of Alma, Bank of Ontario. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1926
Headquarters
Waukesha, WI
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #28400
Visit Westbury Bank

CreditDoc Profile Note

Research Note on Westbury Bank

Westbury Bank is profile signals for Wisconsin-based consumers and small business owners seeking a traditional community bank with modern digital capabilities and strong fraud protection focus. The main caveat is geographic limitation to Wisconsin communities and lack of detailed information about rate claims to verify and fee structures compared to other regional or national banks.

Profile Signals

  • Wisconsin residents seeking community-focused banking with personalized service
  • Customers prioritizing fraud protection and security for personal and business accounts
  • Business owners looking for local banking relationships with dedicated fraud solutions
  • Individuals interested in health savings accounts with competitive tiered rates
Updated 2026-05-08

Similar Companies

Bank Cmg logo

Bank Cmg

Bank CMG is a regional bank offering personal and business banking services including checking, savings, CDs, home loans, and digital banking across 10 Wisconsin locations.

BBB: NR

Profile signals: Wisconsin residents seeking community banking with competitive CD rates and multiple branch locations, Small to medium-sized businesses needing treasury management and remote deposit capture services

Bank of Alma logo

Bank of Alma

Independent community bank with four locations in Wisconsin (Alma, Pepin, Nelson, Wabasha) offering checking, savings, loans, and 24/7 online banking access.

BBB: NR

Profile signals: Wisconsin residents in Alma, Pepin, Nelson, or Wabasha seeking relationship-based community banking, Customers age 55+ interested in senior-focused banking programs and local service

Bank of Ontario logo

Bank of Ontario

Community bank serving Vernon County with checking, savings, and digital banking through Bank of Ontario and its affiliated branches Genoa State Bank and Westby State Bank.

BBB: NR

Profile signals: Vernon County residents seeking community banking relationships with local branch access, Customers who value personalized service from established community banks

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Quick Summary

  • Westbury Bank is listed as a Banks provider in Waukesha, WI on CreditDoc.
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