Regular Flat Fee Checking
| Minimum to open |
$100.00 |
| Monthly maintenance fee |
$5.00 |
| Statement period |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
Free Checking
| Minimum to open |
$ 25.00 |
| Statement period |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
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: |
AD&D coverage offered based on plan selected |
|
| Statement period |
monthly |
| Check printing fee – no charge on WCSB select check design |
|
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
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 |
| Interest crediting frequency |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Check printing fee – no charge on WCSB select check design |
|
| Dormant Account fee |
$5 per month up to 12 months, after 12 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.
Small Business Checking
| Minimum to open |
$100.00 |
| Monthly maintenance fee |
$10.00 |
| Statement period |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
Commercial Checking*
| Minimum to open |
$100.00 |
| Monthly maintenance fee |
$30.00 |
| Statement period |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
*This only applies to certain types of commercial accounts.
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 |
| Interest crediting frequency |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Check printing fee – no charge on WCSB select check design |
|
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
Silver Checking
| Minimum to open |
$800.00 |
| Daily Balance requirement to avoid service charge |
$800.00 |
| Average Daily Balance requirement to obtain APY |
$800.00 |
| Monthly maintenance fee if daily balance falls below $800 |
$ 5.00 |
| Per debit charge if daily balance falls below $800 |
$ 0.15 |
| 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 |
| Interest crediting frequency |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
Gold Checking
| Minimum to open |
$1,000.00 |
| Daily Balance requirement to avoid service charge |
$1,000.00 |
| Average Daily Balance requirement to obtain APY |
$1,000.00 |
| Monthly maintenance fee if daily balance falls below $1,000 |
$ 6.00 |
| Per debit charge if daily balance falls below $1,000 |
$ 0.15 |
| 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 |
| Interest crediting frequency |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 months of inactivity |
Money Market Accounts
| Minimum to open |
$1,000.00 |
| Daily Balance requirement to avoid service charge |
$1,000.00 |
| Average Daily Balance requirement to obtain APY |
$1,000.00 |
| Monthly maintenance fee if daily balance falls below $1000 |
$ 5.00 |
| Per debit charge if daily balance falls below $1000 |
$ 0.20 |
| 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 |
| Interest crediting frequency |
monthly |
| Overdraft fee (per item) |
$ 35.00 |
| Return Item fee (per item) |
$ 35.00 |
| Stop payment fee (per order) |
$ 35.00 |
| Dormant Account fee |
$5 per month up to 12 months, after 12 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.