Checking Accounts

SMART CHECKING

  • $100 minimum to open
  • eStatement with Online Banking – you may avoid a monthly service charge of $8.00 if you enroll in online banking and accept the Electronic Consent Agreement.
  • No monthly minimum account balance
  • Non-interest bearing
  • Unlimited check writing
  • Debit Card – Now Contactless
  • Overdraft protection (upon approval)

Mint Banking

Interest Bearing Mint Account. Additional services available at no charge:

  • Cashier’s checks
  • Custom image format
  • Money order
  • Notary service
  • Basic checks
  • Photocopies
  • Stop payments
  • Unlimited check writing
  • Wire transfers (within U.S.)
  • No annual fee for 3×10″ safe deposit box (subject to availability)
  • Higher interest rates on certificates of deposit**
  • May allow discounted loan fees
  • Discounted Trust administration fees

$10,000 minimum deposit to open account.

$10,000 minimum daily balance to earn interest (compounded monthly)

Tier 1: $10,000 – $24,999
Tier 2: $25,000 – $49,999
Tier 3: $50,000 – $99,999
Tier 4: $100,000 – $ 249,999
Tier 5: $250,000 or more

Traditional Checking

  • $100 minimum to open
  • Non-interest bearing
  • Unlimited check writing
  • Debit card
  • Overdraft protection (upon approval)
  • $500 minimum monthly balance (or) minimum monthly deposit and outstanding loan aggregate* of greater than $10,000 to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Paper statement: $8 M.S.C.
      • eStatement: $4 M.S.C.

Classic & Student Checking

  • No minimum to open
  • Must be 62+ (or) full-time student up to age 26
  • Non-interest bearing
  • Unlimited check writing
  • Debit card
  • Overdraft protection (upon approval)
  • Free trial order of personalized wallet or duplicate checks (first order only).
  • $250 minimum monthly balance (or) minimum monthly deposit and outstanding loan aggregate* of greater than $1,000 to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Paper statement: $5 M.S.C.
      • eStatement: $1 M.S.C.

Value Checking

  • $100 minimum to open
  • No minimum balance requirements
  • Non-interest bearing
  • Debit card
  • Overdraft protection (upon approval)
  • Free personalized stock wallet checks (or) equal credit towards duplicates

A monthly service charge  (M.S.C.) will be imposed:

    • Paper statement: $8 M.S.C.
    • eStatement: $4 M.S.C.
    • $.05 per check over 40 checks/month

Premier Checking

  • $100 minimum to open
  • Interest bearing** (compounded monthly)
  • Unlimited check writing
  • Debit card
  • Overdraft protection (upon approval)
  • First order of personalized bank stock wallet checks at no charge (or) equal credit towards duplicates
  • No charge for official checks, cashier’s checks or money orders
  • $15 credit toward one-year safe deposit box rental (while supply lasts; good at time of account opening only)
  • $1,000 minimum monthly balance (or) minimum monthly deposit and outstanding loan aggregate* of greater than $15,000 to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Paper statement: $9 M.S.C.
      • eStatement: $5 M.S.C.

 

*WB&T and Secondary Market Mortgage loans not included.
**Interest rate to be determined by Wyoming Bank & Trust and is subject to change.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.