Basic checking with unlimited check writing

• No Monthly Service Fee if: $1,500 average daily ledger balance in checking or combined total deposit relationship of $7,500.
• Monthly Service Fee: $12.00
• Does Not Pay Interest
• Check Access: Yes
• 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.
• Free Checks: Initial order of standard Waterford checks. If non-standard, bank discounts $4.00 for first order. All reorders at regular price.
• Check Safekeeping: Yes
• Images: Available online
• Electronic Statements: Yes
• Overdraft Protection Available: Yes
• Online Bill Pay: Yes
• Online & Mobile Banking: Yes

High-yielding interest-bearing checking account

• No Monthly Service Fee if: $3,500 average daily ledger balance in checking or combined total deposit relationship of $25,000.
• Monthly Service Fee: $21.00
• Pays Interest: Yes; variable interest compounded and credited monthly on the daily collected balance.
• Check Access: Yes
• 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.
• Free Checks: Standard Waterford checks free for all orders. If non-standard, $4.00 discount on all orders.
• Check Safekeeping: Yes
• Images: Available online
• Electronic Statements: Yes
• Overdraft Protection Available: Yes
• Online Bill Pay: Yes
• Online & Mobile Banking: Yes

Basic savings account

• No Monthly Service Fee; No minimum balance requirements.
• Pays Interest: Yes; variable interest compounded and credited quarterly on the daily collected balance.
• Electronic Statements: Yes, if combined with checking.
• No Online Bill Pay
• Online & Mobile Banking: Yes

High-yielding Money Market account with limited check writing

• No Monthly Service Fee; No minimum balance requirements.
• Pays Interest: Yes; variable interest compounded and credited monthly on the daily collected balance.
• Check Access: Yes
• Free Checks: Initial order of standard Waterford checks free.
• Check Safekeeping: Yes
• Images: Available online
• Electronic Statements: Yes
• Overdraft Protection Available: Yes
• Online Bill Pay: Yes
• Online & Mobile Banking: Yes

High-yielding Money Market account with limited check writing (Must have Waterford Bank checking account to qualify)

• No Monthly Service Fee; No minimum balance requirements.
• Pays Interest: Yes; variable interest compounded and credited monthly on the daily collected balance.
• Check Access: Yes
• Free Checks: Initial order of standard Waterford checks free.
• Check Safekeeping: Yes
• Images: Available online
• Electronic Statements: Yes
• Overdraft Protection Available: Yes
• Online Bill Pay: Yes
• Online & Mobile Banking: Yes

Personal Healthcare Account

• No Monthly Service Fee: Yes; no minimum balance requirements.
• Pays Interest: Yes; variable interest compounded and credited monthly on the daily collected balance.
• Debit Card/ATM Access: Yes
• Images: Available online
• Electronic Statements: Required
• Online Bill Pay: Yes
• Online & Mobile Banking: Yes