Regular Savings
Savings
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West Central Bank offers a variety of Savings accounts; click 'More' to view additional details.
- Opening Balance: $100.00
- Free Online / Mobile Banking
- Free eStatements
More on Regular Savings
Christmas Club
- Opening Balance: $0.00
- Free Online / Mobile Banking
More on Christmas Club
Vacation Club
- Opening Balance: $0.00
- Free Online / Mobile Banking
More on Vacation Club
Money Market
- Opening Balance: $2,500.00
- Free Online / Mobile Banking
- Free eStatements
More on Money Market
Platinum Money Market
- Opening Balance: $10,000.00
- Free Online / Mobile Banking
- Free eStatements
More on Platinum Money Market
Regular Savings
- Free iTalk Banking
- Interest Earned
- Service Charge
- Determination of rate - At our discretion, we may change the interest rate on your account.
- Frequency of rate changes - We may change the rate on your account daily.
- Compounding and crediting frequency - Interest is credited and compounded quarterly.
- Effect of closing your account - If you close your account before interest is credited, you will not receive the accrued interest.
- Minimum balance requirements to avoid imposition of fees - A minimum balance fee of $5.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month. This fee is waived for customers age 62 or older, students and children under 18, and members of the Armed Forces.
- Balance computation method - The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
- Transaction limitations - During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or online banking transfer. Preauthorized transfers also include transactions by checks, drafts, debit cards, or similar orders to third parties and ACH debits. If you exceed the transfer limitations as set forth above in any statement period, your account will be
subject to closure. However, you may have unlimited
transfers for the purpose of repaying loans at this bank as well as unlimited transfers and withdrawals when such transfers or withdrawals are made by mail, automated teller machines, or in person or when such withdrawals are made by telephone with a check mailed to the customer. - An activity charge of $2.00 will be imposed for each non-automatic withdrawal in excess of 4 per month.
- The bank reserves the right to require seven days written notice prior to withdrawal or transfer of any funds in the account.
Christmas Club
- Free iTalk Banking
- Interest Earned
- Interest bearing account
- Club checks will be issued to customers the first of November
- Great way to save money for your Christmas shopping adventures
Vacation Club
- Free iTalk Banking
- Interest Earned
- Interest bearing account
- Club checks will be issued to customers the first of May
- Use this vacation savings account for all your summertime needs
Money Market
- Free iTalk Banking
- Interest Earned
- Service Charge
- $2500.00 minimum opening deposit
- Rate information - Your interest rate and annual percentage yield may change.
- Determination of rate - At our discretion, we may change the interest rate on your account.
- Frequency of rate changes - We may change the rate on your account daily.
- Compounding and crediting frequency - Interest is compounded every statement cycle. Interest will be credited to your account on the last day of the statement cycle.
- Effect of closing your account - If you close your account before interest is credited, you will not receive the accrued interest.
- Minimum balance requirement to avoid imposition of fees - A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the statement cycle.
- Balance computation method - The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
- Transaction limitations - During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or online banking transfer. Preauthorized transfers also include transactions by checks, drafts, debit cards, or similar orders to third parties and ACH debits. If you exceed the transfer limitations as set forth above in any statement period, your account will be
subject to closure. However, you may have unlimited transfers for the purpose of repaying loans at this
bank as well as unlimited transfers and withdrawals when such transfers or withdrawals are made by mail, automated teller machines, or in person or when such withdrawals are made by telephone with a check mailed to the customer. An excess withdrawal fee of $10.00 per item is charged for each withdrawal over 6 in a statement cycle.
The bank reserves the right to require seven days
written notice prior to withdrawal or transfer of any funds in the account.
Platinum Money Market
- Free iTalk Banking
- Interest Earned
- Service Charge
- $10,000.00 minimum opening deposit
- Rate information - Your interest rate and annual percentage yield may change.
- Determination of rate - At our discretion, we may change the interest rate on your account. This is a tiered account; the daily balance in your account determines the interest rate paid.
- Frequency of rate changes - We may change the rate on your account daily.
- Compounding and crediting frequency - Interest is compounded every statement cycle. Interest will be credited to your account on the last day of the statement cycle. No interest will be earned on any day in which the daily balance falls below the minimum balance.
- Effect of closing your account - If you close your account before interest is credited, you will not receive the accrued interest.
- Minimum balance requirement to avoid imposition of fees - A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $10,000.00 any day of the statement cycle.
- Balance computation method - The daily balance method is used to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
- Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks).
- Transaction limitations - During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or online banking transfer. Preauthorized transfers also include transactions by checks, drafts, debit cards, or similar orders to third parties and ACH debits. If you exceed the transfer limitations as set forth above in any statement period, your account will be subject to closure. However, you may have unlimited transfers for the purpose of repaying loans at this bank as well as unlimited transfers and withdrawals when such transfers or withdrawals are made by mail, automated teller machines, or in person.
Remote Deposit Anywhere
Don't have time to stop into the branch? No problem! With Remote Deposit Anywhere, you can easily make deposits right from your tablet or smartphone.