• CHECKING ACCOUNTS
• SAVINGS ACCOUNTS
• CERTIFICATES OF DEPOSIT
• INDIVIDUAL RETIREMENT ACCOUNTS (IRA'S)
• OTHER SERVICES
• LINKS

CHECKING ACCOUNTS

FREE CHECKING ACCOUNT

Minimum balance to open is $50.00.

REGULAR CHECKING ACCOUNT

Minimum balance to open is $50.00. A minimum balance fee of $6.00 will be imposed every monthly statement cycle unless you maintain a minimum daily balance of $600.00. A per debit fee of $.10 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account) in excess of 35 during a statement cycle.

GOLDEN "50" CHECKING ACCOUNT

Personal checking account for those golden years. Minimum age requirement is 50 years and a minimum balance to open is $100.00. This account offers unlimited check writing, no service charge, free automatic transfers between accounts at the Wellsville Bank, Direct Deposit of Social Security or retirement checks, Free Golden 50 checks.

PERSONAL NOW ACCOUNT

Earns interest at rates dependent on the amount you keep in the account, paid monthly. Minimum balance to open is $1,000.00. A minimum balance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle. A per debit fee of $.20 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if the minimum balance is not maintained.

BUSINESS NOW ACCOUNT

• Only Sole Proprietorships, Educational and Charitable Organizations, or Governmental Agencies are eligible.
• Minimum opening balance of $1,000.00
• Interest paid on daily collected balance at a rate variable to the amount of funds in the account.
• $10.00 monthly maintenance fee.
• $0.05 per deposit item not drawn on our bank (foreign items)
• If minimum balance drops below $1,000.00, a $0.20 per debit charge will be imposed.
• Interest will still be paid if below minimum balance.

BUSINESS AND COMMERCIAL ACCOUNTS

• Minimum opening balance of $100.00
• $10.00 monthly maintenance fee.
• $.05 per deposit item not on our bank (foreign items)
• Credit given toward service charge at the rate of $0.20 per $100.00 average balance during statement cycle.

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SAVINGS ACCOUNTS

PASSBOOK SAVINGS ACCOUNT

Earns a competitive interest rate which is paid quarterly. Minimum balance to open is $50.00. A withdrawal fee of $1.00 will be charged for each debit transaction in excess of nine during a quarterly statement cycle. This fee will not apply if the debit transaction is an automatic debit to the bank. A minimum balance fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.

MONEY MARKET DEPOSIT ACCOUNT

Earns a competitive interest rate which is paid quarterly at an interest rate which is dependent on the amount of funds maintained in the account. Minimum balance to open is $2,500.00. A minimum balance fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle. Transfers from a M.M.D. account to another account or to third parties are limited to six per calendar month with unlimited withdrawals or transfers in person.

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CERTIFICATES OF DEPOSIT

Earns a higher rate of interest than checking accounts. Interest rates vary depending on the length of the certificate. A minimum of $500.00 is required to open a certificate of deposit.

INDIVIDUAL RETIREMENT ACCOUNTS (IRA'S)

Retirement savings accounts. Please contact a representative at the Wellsville Bank for more information.

OTHER SERVICES

• DEBIT CARDS - Mastercard Debit Cards are available for eligible accounts.
• ATM CARDS
• 24 HOUR NIGHT DEPOSIT
• 24 HOUR ATM
• PERSONAL MONEY ORDERS
• BANK MONEY ORDERS
• CASHIER'S CHECKS
• SAVINGS BONDS - Redemption & Purchases
• SAFETY DEPOSIT BOXES
• VISA GIFT CARDS
• ONLINE BANKING & BILL PAY

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