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

CHECKING ACCOUNTS

FREE CHECKING

Minimum balance to open is $50.00. No Monthly Service Charge, No Minimum Balance Requirement, Unlimited Check Writing, Free Introductory Order of 50 Imprinted Checks.

REGULAR CHECKING ACCOUNT

Minimum balance to open is $50.00. No service charge if a balance of $600.00 is maintained and fewer than 35 debit transactions occur during a statement cycle.

GOLDEN "50" CHECKING

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 minimum balance requirement, and no service charge.

PERSONAL NOW

Earns interest at rates dependent on the amount you keep in the account. A minimum balance of $1,000.00 is required to open. No service charge if a minimum balance of $1,000.00 is 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

Earns a competitive interest rate which is paid quarterly. Minimum balance to open is $50.00. No service charge if there are fewer than 9 withdrawals per quarterly statement cycle and a minimum balance of $50.00 is maintained.

MONEY MARKET

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. No service charge if a minimum balance of $2,500.00 is maintained. Transfers from an M.M.D. account are limited to 6 per calendar month with no more than 3 by check.

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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
• AMERICAN EXPRESS TRAVELER'S CHEQUES
• SAVINGS BONDS - Redemption & Purchases
• SAFETY DEPOSIT BOXES
• VISA GIFT CARDS
• ONLINE BANKING & BILL PAY

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