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Checking
Overdraft Protection
Savings
CD's
Alex's Faves
100
The two options for Personal Checking Accounts.
What are Freedom Checking and Freedom Plus Checking? $50 minimum to open a checking account.
100
Linking a savings account to a checking account to cover accidental overdrafts for a daily fee.
What is Savings Transfer Overdraft Protection? Excess Transfer Fee (Reg D) of $15 applies for this type of transaction.
100
This applies to all Personal Savings Accounts.
What is the Excess transfer fee of $15 (Reg D)? Daily Double: This fee is charged for each transfer to another account or third parties by preauthorized, automatic, telephone or computer transfers over six per calendar month. (varies for which type of account?)
100
$500
What is the minimum amount to open a non commercial CD? Must maintain this minimum balance each day to obtain the disclosed APY. Failure to maintain this minimum balance may result in closure of the account.
100
Free Debit Card, Free ATM use (excluding surcharge), Earns interest, Free Online Banking access, Free Bill Payment.
What are the common features of both checking accounts?
200
No fee money orders, cashier's checks, and notary services. Bonus rates on CD's. Discounts on some loan products. Annual fee waived for Credit Reserve and STOP.
What are examples of features of a Freedom Plus Checking Account?
200
Per day fee for STOP if used.
What is $8?
200
The document found through the Intranet to determine the annual percentage yield (APY) for a given savings account balance.
What is the Deposit Account Rate Sheet? Rates --> Deposit Rates. Account balances are broken into Tiers to determine the Base and APY. These can change at any time. Per regulation APY is how we quote the interest, not the rate.
200
Freedom Plus Checking feature.
What is a 1/4% bonus to base rate (calculated on Deposit Rate Sheet). Not available to Municipalities.
200
Free check printing option per account.
What is a free starter set of 50 checks (style code WTVU) for the Freedom Checking, and free check printing basic checks (wallet styles WSKB, WBL, WYE). Freedom plus customers will pay the difference on any check order outside of these styles plus fees.
300
Minimum daily balances maintained to pay interest.
What are $1,500 for Freedom Plus Checking and $5,000 for Freedom Checking?
300
Unsecured line of credit that is accessed through checking.
What is Credit Reserve (CRR)?
300
The minimum amount to open a Personal Money Market Account.
What is $2,500? A $5 monthly service charge applies if the average daily balance falls below $2,500 during the statement period.
300
Interest can be credited monthly if deposited into a WTC DDA/Savings account.
What is a Standard 1 - 5 Year CD? Early withdrawal penalty is equal to 6 months of interest.
300
Consumer only CD.
What is a Freedom Plus CD?
400
Fees/charges on a Freedom Plus Checking Account.
What are ten cents per deposited item in excess of 25 per statement cycle? Daily Double: When does the $15 monthly service charge apply?
400
$20 for STOP, $25 for CRR.
What are the annual fees for the two products? In future years fees are assessed automatically in the month that the product was established. Annual fee is waived for each product if the checking account is Freedom Plus.
400
Age makes a difference.
What is the Freedom Statement Savings Account? Free under age 22 and over 60. $3 monthly service charge applies per statement period if the average daily balance falls below $250 from age 22-60.
400
Contact Cash Management.
What is opening a Commercial CD? 500K minimum to open.
400
Unlimited.
What is the number of checks that can be written out of a Freedom or Freedom Plus checking account.
500
Account scenario to earn .50% off any installment loan?
What is a Freedom Plus Checking account with automatic deduction?
500
CRR minimum payment amount.
What is 5% of the outstanding balance or $25, whichever is greater? If payment is not made within 21 days from the statement date, WTC will deduct minimum payment from the DDA Account.
500
Customers select a month to receive the funds by check or transfer to another WTC account.
What is a Freedom Savings Club Account? $1 to open and customers can make payments at their discretion. No monthly service charge.
500
3 months of interest.
What is the early withdrawal penalty on a 3 - 6 month CD?
500
Amounts to open a Non IRA savings account (3).
What are $50 for a Statement Savings, $1 for a Savings Club and $2,500 for a Personal Money Market.