Personal Banking

Checking Accounts

For most people, a checking account is the financial service they use most. We offer the following types of checking accounts:

Personal Checking

Our basic account, which senior citizens age 60 or older and full-time students to age 25 receive free, as long as they notify us annually of their eligibility.

Minimum Opening Balance	Required Balance	Monthly Charges
$50	$500 minimum ledger or $700 average daily balance	$10.00 if balance is not maintained, effective May 1, 2011 $0.10 per check or debit in excess of forty (40) per statement cycle

Free Checking with Direct Deposit

Our easy, safe and convenient account. Have your pay automatically deposited. No worry about lost or stolen checks. No extra trips to the bank. Funds are available immediately.

Minimum Opening Balance	Required Balance	Monthly Charges
$50	None	None

Now Account

If you can maintain a $1,500 minimum balance and need limited check-writing, this account is for you.

Minimum Opening Balance	Required Balance	Monthly Charges
$1,500	$1,500 min. ledger or $3,000 avg. daily balance	$10 if balance is not maintained, effective January 1, 2004 $.20 in excess of twenty-five (25) checks per statement cycle. This fee will not apply if $5,000 average daily balance for the statement cycle is maintained.

Super Now

If you can maintain a $2,500 minimum balance and need limited check-writing, this account offers flexibility and security.

Minimum Opening Balance	Required Balance	Monthly Charges
$2,500	$2,500 min. ledger or $5,000 avg. daily balance	$12.50 effective January 1, 2004, $.20 in excess of twenty-five (25) checks per statement cycle. This fee will not apply if a $5,000 average daily balance for the statement cycle is maintained.

Money Market - Tiered Interest Rates

If you can maintain a $2,500 minimum balance and only need six (6)withdrawals per month, consider this account. Note: There is a per item service charge of $10 for each check in excess of six (6) paid during a statement cycle.

Minimum Opening Balance	Required Balance	Monthly Charges
$2,500	$2,500	$10 if balance of $2,500 is not maintained

Business Account

Great for business customers with a moderate transaction volume.

Minimum Opening Balance	Required Balance	Monthly Charges
$100	None.	Monthly Maintenance Fee: $10.00 Check Fee: The first 50 checks each month are free. Additional checkes (over 50) are $00.20 each. Fee per Item Deposited: $00.07 per item deposited. Earnings Credit: A credit of $00.15 per $100 of the average collected balance is applied to all fees except the monthly maintenance fee and overdraft fees.

Contact Debbie Fromme debbiefromme@wbsb.net today for more information about these economical deposit products.