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Personal Savings​

Your dreams are closer than you think.

The right savings plan could get you there faster.

Wise money management has tremendous power. Saving money in the right way helps make it multiply. With our guidance, you can put your dreams on the road to reality.

As always, we’ve got options. There’s more than one way to save.

Railroad tracks.

Savings Account

  • Earn interest that makes your savings grow
  • No service charge for customers under 18
  • Open an account with a suggested opening deposit of just $50
  • Some transactions limited to 6 per calendar month (per federal regulation)
  • Rate is announced when your account is opened and compounds quarterly
  • Minimum balance of $250 to avoid a $5 quarterly service charge
  • $3 fee for every withdrawal in excess of 6 per quarterly statement cycle

Personal Money Market Account

  • Larger balances earn higher rates
  • Interest is earned on the daily balance and compounded monthly
  • No service charge when daily balance exceeds $500 (if daily balance dips below $500, the monthly service charge is a low $5)
  • Tiered rates are set when your account is opened
  • Open an account with a low suggested deposit of just $50
  • 6 free withdrawals per month ($5 fee for each withdrawal exceeding 6)

Health Savings Account

  • Helps you control your healthcare costs and taxes
  • Works in combination with a high-deductible health insurance policy
  • Funds are available to help cover qualified, out-of-pocket medical expenses

Certificates of Deposit

  • The longer the term, the higher your returns
  • Open an account with just $500

Individual Retirement Account

  • Open an account with just $500
  • Interest is compounded quarterly or paid to you as agreed
  • Current rates are available upon request; all rates are subject to change

Ready to say “That’s my bank”?

We’re ready to help. Call now, or stop by our branch. Numbers and addresses can be found here.

Got a different question?

Waycross Bank & Trust logo

ABA Routing Number: 061204052

Lost or stolen card? Call 1-800-383-8000

 

Waycross Bank & Trust

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