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Individual Checking

Minimum Opening Balance - $100.00
Minimum Balance required to avoid maintenance fee - $400.00
Monthly Maintenance Fee:

$3.00 + .15 per check paid will be imposed every statement cycle
 if the balance in the account falls below $400.00 any day of the
cycle or if the average balance is less than $1,000.00.

Statement Period - Monthly > Cost of check printing varies based on style of checks ordered.

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Now Accounts

Minimum Opening Balance - $1,000.00
Interest Rate - Call Bank for Current Rates
Annual Percentage Yield (APY) - Call Bank for Current Rates
Interest Computation Method - Daily Balance*
Interest will be compounded - Monthly
Interest will be credited - Monthly
Monthly Maintenance Fee:

$5.00 + .15 per check paid will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.  

Statement Period - Monthly
Cost of check printing varies based on style of checks ordered.

If you close your account before interest is credited, you will not receive the accrued interest. On non-cash items, interest will begin to accrue the first business day after the banking day you deposit non-cash items. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.


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Money Market Accounts

Minimum Opening Balance - $1,000.00
Minimum Balance to avoid maintenance charge - $1,000.00
Interest Rate - Call Bank for Current Rates
Annual Percentage Yield (APY) - Call Bank for Current Rates
Interest Computation Method - Daily Balance*
Interest will be compounded - Monthly
Interest will be credited - Monthly Monthly Maintenance Fee:

$5.00 if the balance falls below $1,000.00 during any monthly
Statement period.
 

The account holder is allowed to make no more than six transfers and withdrawals to another account of the depositor, or a third party by means of a preauthorized transfer, automatic transfer check, draft, debit card, or similar order per monthly statement cycle.

 If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example, checks).
Cost of check printing varies based style of checks ordered.

*The daily balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.


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Savings Account

Minimum Opening Balance - $100.00
Daily minimum balance required to avoid service charge - $100.00
         
If balance falls below $100.00 during the month there will be a $1.00 charge.
Interest Rate - Call Bank for Current Rates
Annual Percentage Yield (APY) - Call Bank for Current Rates
Interest Computation Method - Daily Balance*
Interest will be compounded - Quarterly
Interest will be credited - Quarterly

On non-cash items interest will begin to accrue on the first business day after the banking day you deposit non cash items (for example, checks).  If you close your account before interest is credited, you will not receive the accrued interest. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.  

Statement period - Quarterly
Transaction limitations
The account holder is allowed to make no more than six transfers and withdrawals to another account of the depositor or a third party by means of a preauthorized transfer, automatic transfer check, draft, debit card, or similar order per quarterly statement cycle, then a $3.00 excessive activity fee per debit transaction during the same statement cycle.

If an account is opened, then closed within 30 days, there will be a $10.00 charge.

*The daily balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.


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Certificates of Deposit

Interest will be credited to your account or paid to you monthly, quarterly, semi-annually, annually, at maturity or as agreed upon.

The annual percentage yield (APY) assumes that interest remains on deposit until maturity. A withdrawal will reduce earnings.

After the account is opened, you may not make any deposits into or withdrawals from the principal in the account until the maturity date.

Interest begins to accrue on the business day you deposit any non cash item (for example, checks).

PENALTY FOR EARLY WITHDRAWAL
Maturity of 7-31 days – the greater of : (1) all interest earned on the amount withdrawn from the most recent of the date of deposit or last renewal, or (2) all interest that could have been earned on the amount withdrawn during a period equal to one-half of the maturity period, or (3) an amount at least equal to 7 days interest earned.

Maturity of 32 days or up to one year – an amount at least equal to three months of interest earned or that could have been earned.

Maturity of more than one year – an amount at least equal to six months of interest earned or that could have been earned.

RENEWAL POLICY
If your Certificate is SINGLE MATURITY AND DOES NOT AUTOMATICALLY RENEW, PRESENT IT PROMPTLY AT MATURITY, AS NO INTEREST IS PAYABLE AFTER THE MATURITY DATE.

If your certificate will AUTOMATICALLY RENEW, you will have a grace period of 10 days from maturity date to present this certificate for payment without penalty. If the certificate automatically renews, IT WILL BE RENEWED AT THE RATE IN EFFECT AT THIS INSTITUTION ON THE DATE OF MATURITY.

Method of computation - Daily Balance*
*The daily balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

Minimum Balance to open - $1,000.00
Rates - Call Bank for Current Rates


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Loans

The Bank of Wrightsville is dedicated to serving the needs of Johnson County and its’ service area. When you need cash, whether its unexpected, or something you have been planning, call us, or come by to discuss the right plan for you.

 


Commercial Checking

Minimum deposit to open account - $400.00
Effective January 2007: We will no longer charge an analysis charge on commercial checking accounts. However, to avoid a monthly service charge, you must maintain a minimum daily balance of $1,000.00 in your account. If your minimum daily balance drops below $1,000.00, you pay $5.00 per month and $0.20 per check.

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