Products & Services

Checking Accounts

No Frills Checking Account
-No minimum balance
-No per check charge on first 30 checks per statement
-Electronic Check Image Statements

Regular Checking Account
-No monthly maintenance fee or per check charge if the minimum daily balance maintained is $100
-No monthly maintenance fees if three or less checks are written during the month
-Free Online Banking and Electronic Check Image Statements Available

New Outlooks Club Account
-Membership Fee on account
-No monthly maintenance fee on account
-Wallet checks are provided at no charge
-5-Star Benefits Package
-Free Money Orders or Cashier’s Checks
-Free Online Banking and Electronic Check Image Statements Available
-Free VISA® Check Card or ATM Card

New Outlooks Plus Account
-Membership fee on account
-No monthly maintenance fee on account
-Wallet checks are provided at no charge
-5-Star Benefits Package
-Free Money Orders or Cashier’s Checks
-Free Online Banking and Electronic Check Image Statements Available
-Free VISA® Check Card or ATM Card
-Interest bearing checking account with a variable rate of interest paid monthly on statement date
New Outlooks Gold Account
-Membership fee on account
-No monthly maintenance fee on account
-Wallet checks are provided at no charge
-5-Star Benefits Package
-Free Money Orders or Cashier’s Checks
-Free Online Banking and Electronic Check Image Statements Available
-Free VISA® Check Card or ATM Card
-Must be 55 years of age or older to open account (If joint account, one owner must be over 55 years of age.)
-If a $5,000.00 balance is maintained each statement period the Membership Fee will be waived
-Interest bearing checking account with a variable rate of interest paid monthly on statement date
-Safety Deposit Boxes available at a 50% discount

NOW Account
-Interest bearing checking account with a variable rate of interest paid monthly on statement date
-Maintain a daily balance of $1,000.00 and there is no monthly maintenance fee or per check charge
-Customer pays for personal checks
-Free Online Banking and Electronic Check Image Statements Available

Super NOW Account
-Interest bearing checking account with a variable rate of interest paid on statement date
-Required daily balance is $2,500.00
-The monthly maintenance fee is $2.00 per month plus $.25 per check or transfer
-Free Online Banking and Electronic Check Image Statements Available

Money Market Accounts

Money Market Deposit Account
-Maintain a daily balance of $2,500.00 and there is no monthly maintenance fee or item charge
-The interest rate is variable with interest paid monthly on statement date with annual percentage yield equal to the current rate sheet
-Transfers of funds from this account are restricted to a maximum of six (6) per month
-Free Online Banking and Electronic Check Image Statements Available

Sterling Investment Account
-No minimum daily balance
-The interest rate is variable with interest paid monthly on statement date
-No limit on the number or size of deposits to the account
-No minimum withdrawal amount
-Transfers of funds from this account are restricted to a maximum of six (6) per month
-No checks may be written on this account
-No charge for the first two (2) incoming wire transfer fees per month
-Free Online Banking and Electronic Check Image Statements Available

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Savings Accounts

Regular Savings Account
-There is no monthly maintenance fee
-No minimum balance required
-The interest rate is variable with interest paid at the end of each quarter
-Up to six withdrawals per month allowed
-Free Online Banking
-Free ATM Card Only

Certificates of Deposit
Certificates of Deposit are offered in terms from 91 days to 4 years
-A minimum deposit of $500 is required
-The annual percentage yield is equal to the current rate sheet available upon request
*Substantial penalty for early withdrawal of Certificates of Deposit
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Individual Retirement Accounts

IRA – Savings
-A minimum deposit of $25 is required
-The interest rate is variable with interest paid semi-annually with annual percentage yield equal to the current rate sheet available upon request
*Your contribution can be automatically transferred from your WPB checking or regular savings account on a monthly, quarterly or semi-annual basis

IRA – Certificates of Deposit
-A minimum deposit of $250 is required for all new IRA Certificates of Deposit
-The annual percentage yield is equal to the current rate sheet available upon request
-Interest will compound quarterly
-These IRA CDs are written on an 18-month term
*Substantial penalty for early withdrawal of Certificates of Deposit. Certificates will forfeit 6 months interest
** Terms are subject to change for promotional special CD’s
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Other Services Available

-Automatic Transfers
-Overdraft Protection
-ATM Card
-VISA® Check Card
-Safe Deposit Boxes
-Money Orders
-Cashiers Checks
-Fax Service
-Wire Transfers
-Direct Deposit

-Telebank – 24 hour Telephone Banking Service
-Online Banking

To request a complete brochure, disclosures or additional information regarding our accounts and services, email us at info@westplainsbk.com.