Deposit Accounts Loans

The Bank of Waynesboro - Accounts - Deposit Accounts

Free Checking

  • No minimum balance and NO monthly fees! Just purchase your checks as needed.

Ban-Club
  • Both of our Ban-Club plans include free checks, Stop Payments & 25% off Lock Box rentals.

  • Basic Plan - $10,000 Accidental Death Insurance** on Primary Owner.
    Monthly Fee: $6.00

  • Family Plan - $20,000 Accidental Death Insurance** on Primary Owner, $10,000 on Spouse & $1,500 on each Dependent.
    Monthly Fee: $8.00

NOW Checking

  • Interest bearing account.*

  • $5.00 Service Charge on account balances under $500.00

Money Market Deposit Account

  • Interest bearing account.*

  • Minimum $10,000.00 deposit to open.

  • Maximum 6 withdrawals per month by check, ACH, phone, or draft.

  • Withdrawals or transfers made in person, by mail, customer's messenger or ATM are unlimited.

  • Excessive withdrawal fee is $5.00 per item.

Savings

  • Interest bearing account.*

  • Quarterly $1.50 Service Charge on balances less than $100.00

  • $1.00 fee for each withdrawal in excess of 6 per calendar month. Maximum 6 withdrawals per month by check, ACH, phone or draft.

  • Withdrawals or transfers made in person, by mail, customer's messenger or ATM are unlimited.

Certificates of Deposit & IRAs

We offer competitive rates with simple terms on our CDs and IRAs. Ask one of our Account Officers for current rates.

Christmas Club

  • Interest bearing account.*

  • No minimum deposit amount.

  • Balances disbursed in November.

COMMON FEATURES

  • Check printing: (fee depends on style and quantity of check order).

  • Cashier's Checks - No charge for customers.

  • Paid Overdraft or NSF Item - $25.00 each item, $100.00 limit per day.

  • Returned Overdraft or NSF Item - $25.00 each item, $100.00 limit per day.

  • Daily Overdraft Fee (OD Finance Charge) - $5.00 per day after 5 consecutive days.

  • Stop Payment - $25.00 each.

* Rate information on interest-bearing accounts – Please call (931) 722-2265, (931) 722-5454, (931) 724-2265 or (931) 766-6633 for current rate information. The interest rates and annual percentage yields on these accounts are determined by bank management and are subject to change at any time.

** This disclosure is to advise you that the purchase of any insurance product from us is not a deposit or other obligation of, or guaranteed by The Bank of Waynesboro. The insurance product is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency of the United States, and is not a deposit.

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