With a variety of individual deposit accounts, we offer an array of options for saving and managing your money, backed by the services and expertise of our banking specialists.
| Deposit Accounts | Waterford Classic Checking | Waterford Elite Checking | Waterford Classic Savings ** | Waterford Premier Money Market ** | Waterford Premier Plus Money Market 1 ** |
|---|---|---|---|---|---|
| Product Description | Basic checking with unlimited check writing. | High yielding interest bearing checking account. | Basic savings account. Limited to 6 withdrawals per month ** | High yielding Money Market account with limited check writing. Limited to 6 withdrawals per month ** |
High yielding Money Market account with limited check writing. Must have Waterford Bank
checking Account to qualify. Limited to 6 withdrawals per month** |
| Available at No Monthly Service Fee with Minimum Account balance | Yes, $1,500 avg. daily ledger balance in checking or combined total deposit relationship of $7,500. | Yes, $3,500 avg. daily ledger balance in checking or combined total deposit relationship of $25,000. | Yes, No minimum balance requirements. | Yes, No minimum balance requirements. | Yes, No minimum balance requirements. |
| Monthly Service Fee | $10.00 | $19.00 | $0.00 | $0.00 | $0.00 |
| Pays Interest | No | Yes, variable interest compounded and credited monthly on the daily collected balance. | Yes, variable interest compounded and credited quarterly on the daily collected balance. | Yes, variable interest compounded and credited monthly on the daily collected balance. | Yes, variable interest compounded and credited monthly on the daily collected balance. |
| Check Access | Yes | Yes | N/A | Limited to 6 checks per month** | Limited to 6 checks per month** |
| Debit Card/ATM Access | Yes, fees waived up to $30 or 10 transactions (whichever occurs first) per card per month plus unlimited debit card transactions. | Yes, fees waived up to $30 or 10 transactions (whichever occurs first) per card per month plus unlimited debit card transactions. | N/A | N/A | N/A |
| Free Checks | Initial order of standard Waterford checks. If non-standard bank will discount $4.00 for first order. All reorders at regular price. | Standard Waterford checks free for all orders. If non-standard we discount $4.00 on all orders. | N/A | Initial order of standard Waterford checks free. | Initial order of standard Waterford checks free. |
| Check Safekeeping | Yes | Yes | N/A | Yes | Yes |
| Images | Available online | Available online | N/A | Available online | Available online |
| Electronic Statements | Yes | Yes | Yes, if combined with checking | Yes | Yes |
| Overdraft Protection Available | Yes | Yes | N/A | Yes | Yes |
| Online Bill Pay Available | Yes | Yes | No | Yes | Yes |
| Online & Mobile Banking Available | Yes | Yes | Yes | Yes | Yes |
| 1 Must also have a Classic or Elite checking account to qualify. The Classic or Elite Checking Account must have 15 transactions or $5000 in deposits every month to maintain higher interest rate on Premier Plus Money Market. | |||||
| ** Federal Regulation D limits the number of checks, preauthorized, automatic, telephone, electronic (including ACH), online, and other transfers and withdrawals not made in person or by ATM to 6 per month. | |||||
For a detailed comparison of our Checking and Savings Products, view our deposit products guide.
Enjoy 24/7 access to real-time account information.
Manage your money easily through our convenient mobile apps.
An easy, secure and convenient way to pay your bills from your online or mobile banking platform.
We reimburse ATM usage fees worldwide up to $30.00 or 10 times per month, whichever comes first.
We can provide business reply postage paid envelopes for use to send deposits, payments or correspondence to us. Contact us to learn more.
Enjoy a new or replacement debit card at a moment’s notice, now available at all our full-service offices.
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