Deposit Accounts

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Consumer Checking Account Details

eChecking
Community Heroes Employee Perk
Simple
Prime
Executive
Money Market
For Law Enforcement, Firefighters, Healthcare, Military, Teachers Employer has to have a payroll account with us.
Service Charge NA NA NA $5 $6 $10 $15
HOW TO AVOID SERVICE CHARGES NA NA NA Direct Deposit from outside the Bank AND $300 minimum average account balance OR 15 posted debit card transaction per statement cycle NA *$25,000 combined deposit/loan balances* Maintain $10,000 minimum balance OR a monthly automatic deposit
Features Included
Minimum opening deposit $25 $50 $50 $50 $100 $5,000 $10,000
$10 Daily Overdraft Safety Net X X X X X X X
Free Debit Card X X X X X X NA
Free Online Banking X X X X X X X
*Mobile Deposit X X X X X X X
Free eStatements X X X X X X X
Unlimited BOW ATM Access X X X X X X X
Unlimited Teller & Customer Service Access X X X X X X X
**Bounce Protection X X X X X X X
Privacy & Security X X X X X X X
Check Writing 5 free checks then $1 per check Free Free Free Free Free ***Limited
Discounted Safe Deposit Boxes NA NA NA 25% with auto-debit 25% with auto-debit 25% with auto-debit 25% with auto-debit
Interest NA X X NA NA X X
Stop Payment $30 $30 $30 $30 Free $30 $30
Cashier's Checks $3 Free $3 $3 2 Free per month 3 Free per month 3 Free per month
Excessive Withdrawal NA NA NA NA NA NA ***6 withdrawals per statement cycle
Box of Checks Customer Expense 1st Box Free 1st Box Free Customer Expense Free Customer Expense Customer Expense
Features Available
Senior Privileges NA X X X X X X
*Electronic Bill Pay Free Free Free Free Free Free Free
Paper Statement with Images $2/month Free Free $2/month $2/month Free Free
*Mobile Deposit $1/check $1/check $1/check $1/check $1/check $1/check $1/check
Added Protection Convenience and Savings
Secure Checking – provided at no additional cost. Secure Checking – provided at no additional cost.
  • IDProtect® (Family Plan)
  • IDProtect® (Family Plan)
  • 3-Bureau Daily Credit Monitoring
  • 3-Bureau Daily Credit Monitoring
  • 30-Day No New is Good News Message
  • 30-Day No New is Good News Message
  • 3-in-1 Credit Report and 1-Bureau Credit Score
  • 3-in-1 Credit Report and 1-Bureau Credit Score
  • Total Identity Monitoring* - (non-financial monitoring)
  • Total Identity Monitoring* - (non-financial monitoring)
  • Full-Managed Identity Theft Resolution Services
  • Full-Managed Identity Theft Resolution Services
  • Up to $10,000 Identity Fraud Expense Reimbursement
  • Up to $10,000 Identity Fraud Expense Reimbursement
  • Payment Card Registration*
  • Payment Card Registration*
  • Online Identity Theft News & Education Center
  • Online Identity Theft News & Education Center
  • Cell Phone (Mobile Device) Protection
  • Cell Phone (Mobile Device) Protection
  • $10,000 Accidental Death & Dismemberment Ins.
  • $10,000 Accidental Death & Dismemberment Ins.
  • Debit Advantage™ (Buyer Protection & Extended Warranty)
  • Debit Advantage™ (Buyer Protection & Extended Warranty)
  • Health Discounts (Prescription, Vision and Dental)
  • Health Discounts (Prescription, Vision and Dental)
  • $hopping Rewards™ (Cash-Back Shopping Online)
  • $hopping Rewards™ (Cash-Back Shopping Online)
  • Travel, Leisure and Recreation Discounts
  • Travel, Leisure and Recreation Discounts
  • National and Local Merchant Discounts (w/ Hot Deals)
  • National and Local Merchant Discounts (w/ Hot Deals)
  • Theme Park & Movie Ticket Discounts
  • Theme Park & Movie Ticket Discounts
  • And Much More!
  • And Much More!
(Note: Benefits available to all eligible members of household) (Note: Benefits available to all eligible members of household)

Consumer Checking Account Details


Senior Privileges (55 & Up)
2 Free boxes of checks each year
Free Paper Statements
50% Discount of the Simple Checking


* Requires separate enrollment.
**Will be available to qualified customers.
***A service fee per withdrawal will be assessed after the sixth withdrawal per statement cycle.
*Combined balances are calculated by adding the lowest daily balance that occurred in each of your deposit and loan accounts during your statement cycle.*


Employee Privileges for 1 Account ONLY
Free Simple Checking OR
Pay $1.75 for Prime Checking OR Executive Checking
(The discounted account has to be an employee's account.)



Consumer Savings Account Details

*A service fee per withdrawal will be assessed after the sixth withdrawal per statement cycle.
**An additional service fee will be assessed per withdrawal.


Business Checking Account Details

* Requires separate enrollment.
**Will be available to qualified customers.
***A service fee per withdrawal will be assessed after the sixth withdrawal per statement cycle.
*Combined balances are calculated by adding the lowest daily balance that occurred in each of your deposit and loan accounts during your statement cycle.*


* Rate information on interest-bearing accounts – Please call (931)722-2265, (931)722-5454, (931)724-2265, (931)766-6633 or (931)244-8465 for current rate information. The interest rates and annual percentage yields on these accounts are determined by bank management and are subject to change at any time. ** This disclosure is to advise you that the purchase of any insurance product from us is not a deposit or other obligation of, or guaranteed by The Bank of Waynesboro. The insurance product is not insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency of the United States, and is not a deposit.