• $50 minimum required to open
• WTB debit card
• No charge for paper statements, eStatements, or check images
• Tiered interest rates
• One overdraft courtesy refund per quarter* Standard Overdraft Practices
• No ATM fees when using WTB ATM or MoneyPass ATM
• Five non-WTB ATM withdrawals at no charge, each calendar month (unless otherwise noted)
• No annual fee on credit cards (subject to credit approval)

*Overdraft Courtesy Refund: We may charge a fee of $15 for each item paid causing an overdraft. A fee may be imposed for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Overdrafts are due immediately. We may not pay overdrafts at the bank's discretion. After the end of each calendar quarter a $15 Paid Overdraft/Returned Item Fee refund will be credited back to the account if an overdraft occurrence was charged to the account during that quarter.

• There is a $20 monthly base fee service charge if the prior month’s minimum ledger balance* falls below $15,000 in combined checking, savings, money market, certificate of deposit, and individual retirement accounts. Personal accounts with primary or secondary ownerships (with a signer in common) may be included in the combined balances.

*Prior Month’s Ledger Balance – The balance based on the prior month’s lowest combined daily balances of the account(s) during the 30 day statement period