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A savings account that requires no minimum balance to earn interest (paid quarterly). You must deposit a minimum balance of $50 to open this account. You must maintain an average daily balance of $100 to avoid a $5 monthly service charge.
A Money Market Savings Account developed to compete with mutual funds and passbook accounts at other banks. The advantages are that the customer has daily access to their funds, and that the rate will adjust as the market rates adjust. This is ideal for the customer who is unsure of tying their money up in a Certificate of Deposit but still wants to take advantage of future interest rate increases. You must deposit $50 to open this account. If the balance falls below the $500 minimum anytime during the month, a fee of $11 will be assessed. The rate change is effective the first business day of each month. Six checks may be written on the account each month, a $5 per item charge will be assessed for any after that. Unlimited withdrawals may be made by mail, telephone or in person.
Wayne Bank and Trust Co. offers a variety of Certificate of Deposit terms. They range from 91 days to 5 years. You must deposit a minimum of $1,000 to open a CD.