Skip to main content


Forget your username or password?

Personal Checking Accounts

We offer simple and convenient checking services and options to ensure ease of banking with Bank of Wolcott. Once you’ve found the account that best fits your needs, you can apply for your new account online or stop in and see one of our community bankers.

Checking Account Comparison

SimpleRegularNOWHealth Savings Account 
Minimum Opening Balance$100.00$100.00$1,000.00 $0.00
Unlimited Check Writingcheckmarkcheckmarkcheckmark checkmark
Monthly Maintenance Fee$5.00**$5.00**$5.00** N/A
Paper Statement FeecheckmarkN/AN/A N/A
Interest BearingN/AN/Acheckmark* checkmark*

Mobile Banking

checkmarkcheckmarkcheckmark checkmark
Reward Money N/A checkmark N/A N/A
 Learn About Simple Checking Apply for Simple Checking Learn About Regular Checking Apply for Regular Checking Learn About Now Checking Apply for Now Checking Learn About HSA Checking Apply for HSA Checking
*Interest rates are subject to change.
**Can be avoided by maintaining minimum requirements 
Subject to all applicable rules and regulations.
All promotions are subject to change or cancellation. For full details, please see account terms and conditions.

Simple Checking

  • Minimum of $100.00 to open
  • eStatements* availability
  • Options to avoid the $5.00 maintenance fee that could be imposed each statement cycle:
    • $300.00 minimum average daily balance**, OR
    • 15 posted debit card purchases/payments***, OR
    • 2 posted mobile deposit checks ****, OR
    • 2 posted ACH credits (direct deposits), OR
    • $5,000.00 or more in total deposit and/or outstanding loan balances

*$2.00 Paper Statement Fee - Paper Statement fee will be waived for primary account owners ages 65 and older

**The average daily balance is calculated by adding the principal in the account for each day of the period and dividing the figure by the number of days in the period.  The period we use is monthly statement cycle.

***Excludes ATM transactions

****Must be successful and not deemed fraudulent 

Apply for Simple Checking

Personal Checking

Regular Checking

  • Minimum of $100.00 to open
  • A monthly maintenance fee* of $5.00 will be imposed if the account falls below a daily average balance of $300.00*
  • Unlimited check writing, debit card and electronic transactions
  • Image checks returned with statement

*Waived maintenance fee for primary owners under 25 and 55 and over.


Reward Money

Study hard, get good grades, and earn Reward Money


Who is eligible:

            Full time students - ages 13 thru 24 with a Regular Checking account1

Minimum Requirement to Open2:

    To open the account, you must deposit at least $50.00

Earn Money:

$5.00 for every A earned3

$3.00 for every B earned3


            Grade card submission deadlines shall be February 1st for first semester grades and July 1st for second semester

grades.  Does not have to be an official transcript, may be a screen shot of school’s official online access page or

 copy of original card.”

            Bank of Wolcott will issue the Reward Money within 3 business days after the submission deadline4

The Reward Money deposit made by Bank of Wolcott will post as an interest credit and will produce a 1099 interest for5


1) Reward Money is not considered part of the opening deposit.  We reserve the right to amend or cancel the Reward Money campaign at any time, without notice. 

2) $50.00 minimum opening balance is only applicable for customers ages 13 thru 24.

3) $20.00 maximum will be paid per semester.  Offer cannot be combined with any other offer and is limited to one payment per semester per student/Regular Checking account.

4) Reward Money must be paid into your Bank of Wolcott Regular Checking account


5) Interest will be reported to the IRS for tax purposes. You are responsible for any applicable taxes.


Apply for Regular Checking

Personal Checking

Now Checking

  • Minimum of $1,000.00 to open
  • Must maintain a minimum daily balance of $1,000.00 each day to obtain the disclosed annual percentage yield
  • Unlimited check writing, debit card and electronic transactions
  • A monthly maintenance fee of $5.00 will be imposed if the account falls below a daily balance of $1,000.00 or an average daily balance of $2,500.00
  • Interest bearing account – adjustable rate
  • Image checks returned with statements

Apply for Now Checking

Personal Checking

Health Savings Account (HSA)

To open an HSA, customers must be in a qualified High Deductible Health Plan.

  • Minimum of $0.00 to open
  • Interest Bearing Checking
  • Interest compounded and credited monthly
  • Pre-printed Checks: we provide your first order of single checks at no cost
  • Online Banking and Mobile Banking Transfers allowed
  • Account does not currently offer account access via a debit/ATM card

Apply for an HSA

Health Savings Account