About Us

Schedule Of Service Fees

Effective December 02, 2013

Checking Services

Free & Easy Checking Account

No Minimum Balance - No Monthly Service Fee
Unlimited check Writing
Simplified Monthly Statement

Advantage Checking Account

Unlimited Check Writing
First Order of Wallet Style Checks is Free
Free Check Image Statements
Free Email Statements available upon request
Maintain $500.00 minimum or pay $7.50 per month

Senior Advantage: No Monthly Service Fee & Free Wallet Checks beginning at the young age of 50.

Internet Banking Fees

Online Banking * No Monthly Charge
Bill Pay:
   No Monthly Charge (minimum of 5 transactions per month required)
   Bill Pay Insufficient Funds $ 25.00
   Bill Pay Stop Payment Fee $ 25.00

Cash Management Services (Business Accounts) *

Setup Fee $150.00
Monthly Service Fee $ 30.00
* Available upon approval

TeleBank Line
(1-877-965-1116)

No Monthly Charge

Small Business Checking Account

Maintain $500.00 Minimum Balance or pay $10.00
Up to 200 transactions * included per month

Excess transactions are $.25 per item

FREE Check Image Statements
FREE Email Statements available upon request
Up to $15,000 coin and currency handling monthly

Advantage Business Checking Account

Maintain $2,500.00 Minimum Balance or pay $15.00
Up to 500 transactions * included per month
Excess transactions are $.25 per item
FREE Check Image Statements
FREE Email Statements available upon request
Up to $25,000 coin and currency handling monthly
* Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account.

Business Analysis Checking Account

Account balances receive an earnings credit that is used to offset service charges on the account.
Account is for high-volume businesses
FREE Check Image Statements
FREE Email Statements available upon request
* Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account.

Premium Advantage Checking Account

Earn Tiered Interest on Entire Balance
Unlimited Check Writing
1 box of Wallet Style Checks is FREE per year
FREE Check Image Statements
FREE Email Statements available upon request
Maintain $1,000 minimum balance or pay $10.00 per month.

Money Market Advantage Account

Savings account with Check Writing privileges
FREE Check Image or Email Statements
Maintain $1,000 minimum balance or pay $10.00 per month
Withdrawal Limitations
Six (6) Withdrawals No Charge
After (6) Withdrawals $5.00 per Withdrawal
Notice --- We are required by law to limit the number of preauthorized transfers of funds from this account to a maximum of six per month. Telephone transfers you make from this account to another account in your name with this bank will be included in the six permitted transfers.

Banclub Plus Checking Account

No Minimum Balance
Unlimited Check Writing
Banclub checks are FREE
FREE Check Image Statements
FREE Savers Club Book
FREE Identity Theft Protection & Recovery Service
FREE Medical Emergency Data Card
FREE Key Ring & Registration Service
FREE AD&D Insurance
FREE Rx Advantage Prescription Drug Program
FREE Coast to Coast Vision Plan
FREE Discounted Gift Cards
FREE Date Reminder Service and More
FREE Payment Card Protection
Monthly Membership: $7.00 Individual, $8.00 Joint, $9.00 Family
The following fees are waived or modified for Banclub Accounts
   Safe Deposit Box $5.00 Annual Credit on Box Rent

Savings Services

Maximum Advantage Savings Account

Convenient and Easy Funds Transfers
Interest Paid Monthly - Statement Savings
A withdrawal fee of $2.00 will be charged for each debit transaction in excess of six during a month.
Maintain $100.00 minimum or pay $3.00 per month.
Dormant Service Fee $10.00 per month
(Account is dormant if not active for a period of one year. The fee will be added if account is dormant and has a balance less than $100.00.)
Withdrawal Limitations --Notice --- We are required by law to limit the number of savings withdrawals from this account to a maximum of six per month. Telephone transfers you make from this account to another account in your name with this bank will be included in the six permitted withdrawals.

Other Services Fees

Checking Services

Insufficient Fund Fees: "Overdrafts"

Paid Item Fee $28.00 per item
Return Item Fee $28.00 per item
(Paid Item Fee & Return Item Fee applies to overdrafts credited by check, in-person withdrawals, ACH activity, or other electronic means, as applicable when the Ledger Balance in your account cannot cover the items presented for payment.
Overdraft fees do not apply to ATM and Visa Debit Card Activity.)
UCF Paid Item Fee $28.00 per item
UCF Return Item Fee $28.00 per item
(Uncollected Funds) UCF Fee applies to overdrafts credited by check, in-person withdrawals, ACH activity, or other electronic means, as applicable when the Ledger Balance in your account can cover the items presented for payment, but due to Holds, the Available Balance (Ledger Balance minus Holds) is insufficient. Overdraft fees do not apply to ATM and Visa Debit Card Activity.)

Overdrawn Accounts (Negative Balance) $5.00 daily fee --- Accounts that are overdrawn in excess of 5 business days (Monday through Friday) or more will be charged a per-day charge starting on business day number 6 and thereafter until the overdraft is eliminated.

Dormant Service Fee

$10.00 per month.

(Account is dormant if not active for a period of six months. The fee will be added if account and has a balance less than $500.00.)

Stop Payment Fee

$28.00 per item

Account Closing Fee ------

$10.00 Account Closing Fee for accounts closing within first 6 months of account opening.

Returned Deposited Item Fee

$ 5.00 per item.

(Fee applies to checks that were deposited to account and subsequently charged back to the account for non-payment.)

Overdraft Sweep Fee

$10.00 per sweep.

Printed Check Charge

Price Varies with Check Style

Card Services (ATM AND VISA DEBIT CARDS)

ATM Foreign Transaction $1.50 for each Foreign Transactions Conducted at a non Wilson & Muir Bank ATM
Replacement Card Charge $10.00 per card
PIN Number Changes $ 5.00 per PIN Change

Bookkeeping Services

Research $20.00 per hour, plus $1.00 per reproduction
Account Reconcilement $20.00 per hour
Special Statement $ 1.00 per statement

Teller Services

Cashiers Checks $5.00 per check

Collection Services

Coupon Collection $10.00 per envelope
Bond Redemption $15.00 per issue
Check Collection:
   Customer Charges as Incurred
   Non-Customer:
      Incoming $ 5.00 per check
      Outgoing $10.00 per check
Attachments, Garnishments and Levy $10.00 per item
Foreign Currency Exchange Charges as Incurred
(Customers Only)

Wire Services

Customer:
Incoming Wire Fee (customers) $ 5.00 per wire
Outgoing Wires $15.00 per wire
International Wires $40.00 per wire
Non-Customer:
Incoming Wires $10.00 per wire

Night Deposit Services

Lock Bags $ First Bag Free
Additional Bags $ 15.00 each
Replacement Keys $ 1.00 each
Zipper Bags $ First Bag Free
Additional Zipper Bags $ $5.00 each

Safe Deposit Boxes

3" x 5" $15.00 Annually
5" x 5" $20.00 Annually
3" x 11" $25.00 Annually
5" x 10" $30.00 Annually
10" x 10" $60.00 Annually
Drilling & Replacing Lock AT COST
Replacing Keys $20.00 per key

Other Services

Notary Service $5.00
Photocopies $0.25 per copy

Withdrawal Limitations

Money Market Advantage:

Six (6) withdrawals No Charge
After Sixth Withdrawal $5.00 per withdrawal

We are required by law to limit the number or pre-authorized transfers of funds from this account to a maximum of six per month. Telephone transfers and Online Transfers you make from this account to another account in your name in the institution will be included in the six permitted transfers.

Maximum Advantage Savings Account
We are required by law to limit the number or pre-authorized transfers of funds from this account to a maximum of six per month. Telephone transfers and Online Transfers you make from this account to another account in your name in the institution will be included in the six permitted transfers.

Equal Housing Opportunity

We do Business in Accordance With the Fair Housing Act (The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)

IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN
  • In the sale or rental of housing or residential lots
  • In advertising the sale or rental of housing
  • In the financing of housing
  • In the appraisal of housing
  • In the provision of real estate brokerage services
  • Blockbusing is also illegal

Anyone who feels he or she has been discriminated against should send a complaint to:
U.S. Dept. of Housing & Urban Development
Asst. Secretary for Fair Housing and Equal Opportunity,
Washington, DC 20410


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