Checking Accounts

Mint Banking

Interest Bearing Mint banking is designed for the discerning depositor who deserves the best in checking account services. Free services for members enrolled in Mint banking include:

  • Cashier’s checks
  • Custom image format
  • Money order
  • Notary service
  • Personalized checks of your choice
  • Photocopies
  • Stop payments
  • Unlimited check writing
  • Wire transfers (within U.S.)

Additional benefits include:

  • No annual fee for 3×10″ safe deposit box (subject to availability)
  • No annual fee for debit card
  • Higher interest rates on certificates of deposit**
  • Lower rates on loans
  • Discounted Trust administration fees

Tier Four Rate minimum balance of $10,000
$24,999 Tier Three Rate minimum balance of $25,000
$49,999 Tier Two Rate minimum balance of $50,000
$74,999 Tier One Rate minimum balance of $75,000 and up

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:
      • Without check images on statement: $6 M.S.C.
      • With check images on statement: $8 M.S.C.

Classic & Student Checking

  • No minimum to open
  • Must be 62+ (or) full-time student
  • Non-interest bearing
  • Unlimited check writing
  • ATM/debit card/overdraft protection (upon approval)
  • Free trial order of 50 personalized wallet or duplicate checks
  • $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:
      • Without check images on statement: $3 M.S.C.
      • With check images on statement: $5 M.S.C.

Value Checking

  • $100 minimum to open
  • No minimum balance requirements
  • Non-interest bearing
  • ATM/debit card/overdraft protection (upon approval)
  • Free personalized stock wallet checks (or) equal credit towards duplicates
    • Without check images on statement: $6 M.S.C.
    • With check images on statement: $8 M.S.C.
    • $.05 per check over 40 checks/month

Premier Checking

  • $100 minimum to open
  • Interest bearing** (compounded monthly)
  • Unlimited check writing
  • ATM/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:
      • Without check images on statement: $7 M.S.C.
      • With check images on statement: $9 M.S.C.

 

*VISA and Conventional 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.