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Regular Checking
| Minimum to open |
$100.00 |
| Balance required to avoid service charge |
$400.00 |
| Monthly maintenance fee if balance falls below $400 |
$ 1.00 |
| Per debit charge if balances falls below $400 |
$ .10 |
| Statement period |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
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Business Checking
| Minimum to open |
$100.00 |
| Balance required to avoid service charge |
$400.00 |
| Monthly maintenance fee if balance falls below $400 |
$ 1.00 |
| Per debit charge if balances falls below $400 |
$ .10 |
| Statement period |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
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Free Business Checking
| Minimum to open |
$ 25.00 |
| Balance requirement |
n/a |
| Monthly maintenance fee |
n/a |
| Per debit charge |
n/a |
| Statement period |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
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Free Checking
| Minimum to open |
$ 25.00 |
| Balance requirement |
n/a |
| Monthly maintenance fee |
n/a |
| Per debit charge |
n/a |
| Statement period |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
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Club/Advantage Checking
| Minimum to open |
$100.00 |
| Monthly maintenance fee |
varies depending on plan selected below |
| |
Basic plan |
Personal Plan |
Family Plan |
| Cost |
$4.00 |
$5.00 |
$6.00 |
| Benefits: |
|
|
|
| Member |
$10M AD&D * |
$20M AD&D * |
$20M AD&D * |
| Spouse |
n/a |
n/a |
$10M AD&D |
| Dependent children |
n/a |
n/a |
$ 1,500 each |
| *Joint account coverage will be divided equally among all members. |
|
| No issue charge on cashier’s checks |
|
| Statement period |
monthly |
| Check printing fee – no charge on WCSB select check design |
|
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
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55 Advantage Checking
(at least one account owner must be 55 or older)
| Minimum to open |
$100.00 |
| Balance requirement |
n/a |
| Monthly maintenance fee |
n/a |
| Per check charge |
n/a |
| Account earns interest based on rate set by bank |
Contact WCSB for details |
| Annual percentage yield (APY) |
Contact WCSB for details |
| Interest computation method |
average daily balance* |
| Statement period |
monthly |
| Interest compounding frequency |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| No issue charge on cashier’s checks |
|
| Check printing fee – no charge on WCSB select check design |
|
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.
If you close your account before interest is credited, you will receive the accrued interest.
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NOW Accounts
| Minimum to open |
$800.00 |
| Balance requirement to avoid service charge |
$800.00 |
| Monthly maintenance fee if balance falls below $800 |
$ 4.00 |
| Per debit charge if balance falls below $800 |
$ .10 |
| Account earns interest based on rate set by bank |
Contact WCSB for details |
| Annual percentage yield (APY) |
Contact WCSB for details |
| Interest computation method |
average daily balance* |
| Statement period |
monthly |
| Interest compounding frequency |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.
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Super NOW Accounts
| Minimum to open |
$1,000.00 |
| Balance requirement to avoid service charge |
$1,000.00 |
| Monthly maintenance fee if balance falls below $1,000 |
$ 5.00 |
| Per debit charge if balance falls below $1,000 |
$ .10 |
| Account earns interest based on rate set by bank |
Contact WCSB for details |
| Annual percentage yield (APY) |
Contact WCSB for details |
| Interest computation method |
average daily balance* |
| Statement period |
monthly |
| Interest compounding frequency |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.
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Money Market Accounts
| Minimum to open |
$1,000.00 |
| Balance requirement to avoid service charge |
$1,000.00 |
| Monthly maintenance fee if balance falls below $1,000 |
$ 5.00 |
| Per debit charge if balance falls below $1,000 |
$ .20 |
| Account earns interest based on rate set by bank |
Contact WCSB for details |
| Annual percentage yield (APY) |
Contact WCSB for details |
| Interest computation method |
average daily balance* |
| Statement period |
monthly |
| Interest compounding frequency |
monthly |
| Overdraft/NSF fee (each item) |
$ 26.00 |
| Return Item fee (each item) |
$ 26.00 |
| Stop payment fee (each check) |
$ 26.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 60 months of inactivity |
Transaction limitation:
During any statement cycle, you may not make any more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order. If you exceed the limitations set forth above, your account shall be subject to closure.
Additional Terms:
During any statement cycle, each 3rd party transaction over six (6) will incur a charge of $2 per transaction.
*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.
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