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FIVE SERVICE
PLANS ARE AVAILABLE
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1. Pay as
you check - $.10 debit item charge on every check you
write or ATM or ACH debit.
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2. Regular
checking - the charge is based on your
minimum balance in your account. The more
you keep in the account the less the charge.
This method consists of two charges:
- A debit item charge of $.05 per check or ATM
or ACH debit with no
charge for the first 10 debits.
- A maintenance charge as follows:
MINIMUM DAILY BALANCE CHARGE
$600 - above none
400 - 599 $ .25
300 - 399 .50
200 - 299 .75
Below 199 1.00
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3. Banclub
- Unlimited check writing
- Free basic personalized checks
- Travelers checks, cashier’s checks & money
orders at no charge
- $10,000 accidental death insurance, family
plan available for additional fee
- Many other money-saving benefits - see our
employees for details
- Minimum charge of $6.00 per month basic
coverage; $7.00 additional
coverage; $8.00 family coverage
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4. “NOW”
Accounts
- Personalized checks at discount prices
- Variable rate interest
- Interest is calculated on ledger balance
- $5.00 maintenance fee when daily balance
falls below $700.00 and an average balance
of $1,250.00
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5. “SUPER
NOW” Accounts
- Personalized checks at discount prices
- Money market rates on collected balances
- Interest rate could change daily
- Minimum balance to open is $2500
- $5.00 maintenance fee when daily balance
falls below $700.00 and an average balance
of $1,250.00
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SAVINGS
ACCOUNTS |
| Passbook
Savings - For your everyday savings needs,
you will earn interest, compounded and paid
quarterly. Your money earns interest from
day of deposit to day of withdrawal.
Variable rate. |
| HIFI Savings
- Money market rate if balance is above
$2500. Rate goes to passbook rate if balance
falls below $2500 during month. Rate varies.
Interest compounded and paid monthly on
collected balances. Accessible daily.
Service charges are: Personal - $5.00
maintenance charge when daily balance falls
below $700.00 and an average balance of
$1,250.00. Non-Personal - $1.00 monthly
maintenance, 10˘ per ledger item and 5˘ per
deposited check. |
Whitney
Plus Money Market Savings
- Interest compounded
and paid monthly on collected balances.
Accessible daily.
Service charges are: Personal - $5.00
maintenance charge when daily balance falls
below $700.00 and an average balance of
$1,250.00. Non-Personal - $1.00 monthly
maintenance, 10˘ per ledger item and 5˘ per
deposited check.
Rates vary and are tiered depending on
balance in account.
* All deposit accounts require $100 initial
deposit. |
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CERTIFICATES
OF DEPOSIT |
7 - 31 day
Certificate of Deposit - $2500 minimum,
automatically renewable. Rate quoted on
weekly basis.
91 day Certificate of Deposit - $2500
minimum, automatically renewable. Rate
quoted on weekly basis.
182 day Certificate of Deposit - $2500
minimum, automatically renewable. Rate
quoted on weekly basis.
12 month Certificate of Deposit - $500
minimum, automatically renewable. Rate
quoted on weekly basis.
18 month Certificate of Deposit - $500
minimum, automatically renewable. Rate
quoted on weekly basis.
30 month Certificate of Deposit - $500
minimum, automatically renewable. Rate
quoted on weekly basis.
36 month Certificate of Deposit - $500
minimum, automatically renewable. Rate
quoted on weekly basis.
48 month Certificate of Deposit - $500
minimum, automatically renewable. Rate
quoted on weekly basis.
60 month Certificate of Deposit - $500
minimum, automatically renewable. Rate
quoted on weekly basis.
Special Certificates - Maturity varies.
$2500.00 minimum for less than 1 year,
$500.00 minimum for 1 year and longer.
Automatically renews to current non-
special rate closest to the term of the
special certificate. Rates quoted on a
weekly basis. |
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SAFETY
DEPOSIT BOXES |
Keep your
valuables in a safe place.
Contents not insured by FDIC, or First
Whitney Bank.
2”x5” $15.00 Annually
3”x5” $18.00 Annually
4”x5” $20.00 Annually
5”x5” $22.00 Annually
3”x10” $25.00 Annually
5”x10” $35.00 Annually 9”X10” $45.00
Annually
10”X10” $50.00 Annually
Forcible Entry - Lock Replacement Cost +
Labor
Key Replacement $10.00
Key Deposit $10.00
(Refundable when lease is terminated) |
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NIGHT
DEPOSIT |
Key Replaced
$5.00
Keyed Bags $15.00
Non-locking bags $3.00 |
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MISCELLANEOUS ACCOUNT SERVICES
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| Stop
payments $20.00 |
| Return Check
and Overdraft $20.00 |
| Overdraft
Closing Fee $20.00 |
Research
Time $20.00/hour
$10.00 minimum |
| Dormant
Accounts $2.00/mo. |
| Personalized
check charges vary by supplier and style |
Collection
Items - non customers $10.00
(no charge to customers) |
Cashier’s
Checks $3.00
(Free to Banclub members) |
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Wires-Outgoing 10.00 each |
|
Wires-Incoming 15.00 |
| Photocopies
25˘ each |
| Bank By Mail
- ask for pre-addressed envelopes |
Travelers
Checks 1%
(Free to Banclub members) |
| Savings
Bonds - redemption & purchase free |
| Visa &
Mastercard Application available |
| Treasury tax
and loan depository for social security and
withholding taxes paid with funds from First
Whitney accounts. |
Coin
Counting & wrapping 5% (minimum $5.00)
(non-customers only) |
| Notary
Service free |
| ATM Card
$5.00 plus tax per card per year |
ATM
Withdrawals $1.00 each, first four per month
are free.
Access fees may be charged when customer
uses an ATM machine not
operated by this bank. |
| ATM/Debit
Card Replacement Charge $5.00 |
| Telephone &
Automatic Transfers $2.00 each |
| Overdraft
Protection $3.50 per transfer |
| U.S.
Securities Purchasing $45.00 minimum |
|
Fax $4.00 |
| Garnishment
or Notice of Levy $25.00 each |
| Escheatment
Fee $20.00 |
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