Easy Checking

• Minimum of $100 to open
• No minimum balance requirement
• Unlimited check writing, debit card and electronic transactions
• Check safekeeping - checks not returned with statement

 
Regular Checking

• Minimum of $300 to open
• Minimum average daily balance to avoid maintenance fee: $300
• Unlimited check writing, debit card and electronic transactions
• Waived maintenance fee for primary owners 55 and older
• Waived maintenance fee for primary owners under 21
• Image checks returned with statement

Now Checking

• Minimum of $1,000 to open
• Must maintain a minimum daily balance of $1,000 each day to obtain the disclosed annual percentage yield
• Unlimited check writing, debit card and electronic transactions
• Minimum balance to avoid a maintenance fee: $1,000 daily balance or $2,500 average daily balance
• Interest bearing account – adjustable rate
• Image checks returned with statements

HiFi Plus Checking

• Minimum of $10,000 to open
• Daily Minimum balance to avoid a maintenance fee: $10,000
• Must maintain a minimum daily balance of $1.00 each day to obtain the disclosed annual percentage yield
• No more than 6 withdrawals or transfers per statement cycle
• Unlimited withdrawals made in person, by mail, or at an ATM
• Tiered interest structure – adjustable rate
• Interest compounds monthly and is credited monthly
• Image checks returned with statement

Additional Terms for all checking accounts

• If an account is in an overdraft status within 90 days of opening, Bank of Wolcott reserves the right to close the account

Order Checks

• Order checks through Main Street Checks
• Preview check designs here

Direct Deposit / EFTPS

• The Bank of Wolcott is capable of receiving direct deposit of government checks and payroll checks from employers offering this service

Overdraft Protection

• The Bank of Wolcott offers, to owners of multiple accounts, a product which will automatically transfer funds from one designated account to another to avoid nonsufficient fund fees or returned checks in the event of an overdraft. The customer selects the designated accounts, the trigger balance, and multiples of $ 20 to be transferred. Enrollment in overdraft protection is FREE; however, if you use the overdraft protection, a $2.00 ODP transfer fee will be assessed.

Money Orders

• Personal Money Orders, up to an amount of $500, are available for customers at a cost of $ 2.00 each

Cashier Checks

• Cashier checks are available for customers at a cost of $4.00 each

Debit Cards

• Convenient cards, allowing you access to cash from an ATM or allowing point of sale purchases are available.
• Funds are withdrawn directly from your account
• World wide acceptance wherever a MasterCard logo is seen
• No charge for use at Bank of Wolcott ATMs or point of sale purchases