Personal Checking

Regular Checking

• $50 minimum deposit to open.
• No monthly service charge.
• Non-interest bearing.

NOW Account

• $1,000 minimum deposit to open.
• $6 per month plus $.25 per debit if at any time during the statement period the balance falls below $1,000.
• Account earns market interest rate on daily balance.
• Unlimited check writing.
• No interest is paid if balance drops below $250.

Money Market Personal Checking

• $1,000 minimum deposit to open.
• $7 per month if balance falls below $1,000.
• Account earns market interest rate on daily balance.
• Withdrawal/transfer charge of $5 for each withdrawal/transfer over six. Only three of the withdrawals/transfers may be checks, draft, debit card or POS. Withdrawals/transfers made in person, by messenger, by mail or at an ATM are unlimited.
• If balance falls below $1,000, account converts to a NOW account rate of interest.

Classic 50 Checking

• Offered to individuals 50 and over.
• $50 minimum deposit to open.
• $6 monthly fee if balance drops below $500 during the monthly cycle.
• Unlimited check writing and free checks.
• $1,000 minimum balance required to earn interest.
• Account earns market interest rate on daily balance.
• Additional benefits included.

Classic Checking

• $50 minimum deposit to open.
• $6 monthly membership fee.
• Unlimited check writing and free checks.
• Account earns market interest rate on daily balance.
• Additional benefits included.

Classic Money Market Account

Introducing Our Newest Money Market Account!

If you are an existing Classic or Classic 50 account holder, our new Classic Money Market Account might be just right for you! This new account rewards higher balances with tiered interest rates. Therefore, the higher your balance, the more interest you earn!

Come by any of our branches today and ask us about the new Classic Money Market.

*The interest rate shown may change at any time.
**The annual percentage yield assumes the principal and interest will remain on deposit for a full year. Withdrawals, fees, and other conditions could reduce earnings.
 

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Commercial Checking

Business Checking
(Sole proprietor and non-profit associations, non-interest bearing)

• $250 minimum deposit to open.
• $5 monthly fee if balance drops below $250.

Commercial Checking
(Corporations, non-interest bearing)

• $250 minimum deposit to open.

Business Plus Checking
(Sole proprietor and corporations, non-interest bearing)

• $250 minimum deposit to open.
• $12 monthly fee.
• No minimum balance.
• Merchant Services.
• Cash Management package.

Commercial Money Market

• $1,000 minimum deposit to open.
• $7 monthly fee if balance drops below $1,000.
• Account earns market interest rate on daily balance.
• Withdrawal/transfer charge of $5 for each withdrawal/transfer over six. Only three of the withdrawals/transfers may be checks, draft, debit card or POS. Withdrawals/transfers made in person, by messenger, by mail or at an ATM are unlimited.
• If balance drops below $1,000, account converts to a NOW account rate of interest.

Commercial NOW Account
(Sole proprietorship, non profit organizations, state, city or political only – NO CORPORATIONS)

• $1,000 minimum deposit to open.
• $6 per month plus $.25 per debit if at any time during the statement period the balance falls below $1,000.
• Account earns market interest rate on daily balance.
• Unlimited check writing.
• No interest is paid if balance drops below $250.

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ePlus Checking

• Interest Bearing – 4% APY up to $25,000
• 1% APY over $25,000
• No WCGB fee for Foreign ATM usage
• Free Bill Pay
• No minimum balance required (must deposit $50 to open the account)

Requirements for this account:

• Receive monthly eStatements
• Make at least 10 check card transactions (excludes ATM transactions)
• One monthly direct deposit

If the above conditions are not met, the account will be assessed a $15 service fee. We may change the interest rate at any time after the account is opened. Available on personal accounts only.

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eStudent Checking

• Receive monthly eStatements
• No WCGB fee for foreign ATM usage
• Free club checks or $5 discount on an upgraded style
• Free check card
• Free overdraft protection between accounts
• No minimum balance (must deposit $50 to open the account)
• No monthly service fee

Available on personal accounts only, up to age 23.

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