• DEPOSITS
• Regular Checking
  $50 minimum deposit to open
  No monthly  service charge with a $300 average daily balance (OR $5.35 service charge)
  No monthly fees or service charges for students or seniors 59 1/2 or older
• NOW Checking
  Interest Bearing Account
  $1000 minimum to open and maintain as average balance (OR $5.35 service charge and no interest)
• SUPER NOW Checking
  Interest Bearing Account
  $2,500 minimum to open and maintain as average balance (OR $5.35 service charge and no interest)
  WITH ALL CHECKING ACCOUNTS:
  Unlimited check writing
  Free Check Imaging
  Free Financial Organizer for Statements
  Overdraft Protection Available
• Passbook Savings
  $50 minimum balance
  3 free withdrawals per month, $1 thereafter
• Christmas Club Savings
  $25 minimum deposit to open
  November 1st of each year a check will be issued and mailed.  If a withdrawal is made prior to November 1st the accrued interest will be forfeited.
• HIFI Savings
  $2,500 minimum to open
   maintain average daily balance of $2,500 to earn interest
  6 withdrawals per month free
• Certificates of Deposit
  Various Maturities from 91 days to 5 years
  Penalty for early withdrawal
• IRA's
  Certificate of deposit IRA's
  6 month terms with IRA interest rates
  Penalty for early withdrawal
• ATM Cards
  Available after 30 days with satisfactory account
  $5.00 annual fee
  Ten withdrawals per month free, $0.50 per withdrawal thereafter
  Transfers can be made between savings and checking accounts
  (ATM cash withdrawals from savings accounts not permitted)
• Debit Cards
  Available after 90 days with satisfactory account
  $7.50 per card to activate
  Ten ATM withdrawals per month free, $0.50 per withdrawal thereafter
  Point of Sale Transactions free
  Limit 7 transactions per day
  Transfers can be made between savings and checking accounts
  (ATM cash withdrawals from savings accounts not permitted)
   
• LOANS
  Business
  Agricultural
  Consumer
  Letters of Credit
  Real Estate
      Commercial
      Residential
      Fixed Rates
      Variable Rates
  Home Improvements
  Credit Cards
   
• OTHER
  Trust Services
  Safety Deposit Boxes
  Wire Transfers
      Foreign
      Domestic
  Cashier's Checks, Money Orders
  Cash Advances
  Notary Services
  Savings Bonds
  Foreign Currency
  Account Balancing and Reconciliation
  SUPERIOR CUSTOMER SERVICE!

Equal Housing Lender    

© Copyright 2004
Wayland State Bank