The Unlimited Checking Account Plan is available to all personal account holders.
Get unlimited check writing, deposits, withdrawals and Visa Check Card purchases, online and mobile access.
The $6.00 monthly service fee will be waived if Account Statements are received electronically or Account holder is 55 years old plus.
Access your account anytime, anywhere using internet banking/mobile app. There is no additional charge for banking using the internet banking/mobile app if account is accessed one time per month, otherwise a $5.95 fee per calendar month is assessed. Text banking will incur a service fee of $0.10 per text message in addition to standard text message rates.
Sign up for automatic funds transfer from an additional checking or savings account to prevent overdrafts. Each time a transfer occurs, your account is charged $5.00, rather than a $30.00 overdraft fee.
A Credit Reserve Plan can be applied to your account and advanced in $100.00 increments. An annual fee of $25.00 and Annual Percentage Rate of 18% will apply. Subject to credit approval.
Personal account holders can earn interest when they open a NOW Checking Account Plan.
Earn interest on the entire balance in your account. Earnings are accrued daily and paid monthly.
The $8.00 monthly service fee will be waived if the average monthly balance is greater than $1,000.
The Unlimited Commercial Checking Account is ideal for all types of businesses.
Get unlimited check writing, deposits, withdrawals and Visa Check Card purchases, online and mobile access.
The $6.00 monthly service fee will be waived if the average monthly balance is greater than $2,500.
Cash Management services are available to automatically deposit funds into employees’ accounts or automatically withdraw funds from customers’ accounts. A monthly fee applies, as well as per file and per item charges. Subject to credit approval and an ACH Origination Agreement is required.
A Credit Reserve Plan can be applied to your account and advanced in $100.00 increments. An annual fee of $25.00 and Annual Percentage Rate of 18% will apply. Subject to credit approval.
Sole proprietors and non-profit organizations are eligible for an interest bearing Commercial NOW Checking Account.
Earn interest on the entire balance in your account. Earnings are accrued daily and paid monthly.
The $8.00 monthly service fee will be waived if the average monthly balance is greater than $1,000.
The Waterford Commercial & Savings Bank offers overdraft protection options for your checking account that put an end to overdraft complications and charges.
Our credit reserve plan is designed to eliminate headaches and the drain on your account.
· We apply a line of credit, advanced in $100 increments, to your checking account.
· Annual Percentage Rate is 18%.
· You can pay off the entire line each month, or make small minimum payments.
· Minimum payment will be 5% of your loan balance or $25.00, whichever is greater.
· An annual fee of just $25.00 applies, this is less than the cost of bouncing one check.
· Simply stop by or call to apply.
If you have a savings account or additional checking account at The Waterford Commercial & Savings Bank, you can set-up an automatic funds transfer to prevent overdrafts.
· You specify the account you would like tied to your checking account.
· Funds will automatically be transferred from the specified account to your checking account in $5.00 increments to cover overdrafts.
· Each time a transfer occurs, your account will be charged just $5.00, rather than a $30.00 overdraft fee.