Checking Accounts
What are the monthly fees associated with each account?
Ultra = 25
Plus = 15
Freedom = 0
Monthly fees associated with WTC savings accounts
MMK - 5
Statement - 0
Club - 0
What are the qualifiers for opening a PROMO CD?
New money and checking account
Name 2 OD protection options
CRR - Credit Reserve
STOP - Savings Transfer Overdraft Protection
All the checking accounts get this installment loan benefit
.50% off with automatic deduction
What features come free with all WTC checking accounts?
FREE:
Online banking
Mobile banking
Debit Card with purchase rewards
Online money management
What benefits does a MMK have that the others don't?
Can get checks and a debit card
Min to open any CD
500
Interest rate for CRR
18%
How is monthly fee on MMK waived?
Maintain balance of 2500
Monthly Fee is waived if relationship balance of 15,000 is maintained
Freedom Plus
Min amounts to each savings account?
MMK - 2500
Freedom - 50
Club - 1
What terms are offered for standard CDs?
3-6 months
1-5 years
the bank covers debit card purchases made from accounts that overdraw at point of sale
What is Overdraft Privilege
Late charge CRR
$5
Home Equity Line benefits for Ultra and Plus customers
Ultra = .375% off promo & non-promo rates + annual fee waived
Plus = .25% off promo rates + first year annual fee waived
MMK interest rate and what qualifies you to receive this?
.10% at any amount
The perk of the promo 21 month CD
Add on money feature at any time
Annual fee for CRR and STOP
CRR - 25
STOP - 20
STOP OD transfer fee?
$8 per day
CD + IRA benefits for Ultra & Plus customers
Ultra = eligible for any WTC promo rate of Plus rate (no approval exception req'd)
Plus = .25% higher than std rate (excl. promo CDs)
APY for Statement and Club Savings and when you are eligible to receive it
0.05% when 2500 balance maintained
Promo CD rates and their terms?
1.75% for 9 and 21 months
CRR: if payment not made within 21 days of statement issued, payment will be deducted from the checking acct of either:
5% of the outstanding balance at statement end date OR $25 (whichever is greater)
How many ATM surcharge rebates do checking account holders receive?
customers get up to 5 domestic ATM foreign fees rebated