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A savings account that requires no minimum balance to earn interest (paid quarterly). You must deposit $50 to open this account. You must maintain a minimum daily balance of $100 to avoid a monthly service charge of $5.
A savings account for our customers that are below the age of 18 years. You must deposit $5 to open this account.
A simple interest account that allows you to save for the holidays. You must deposit $25 to open this account. Christmas Club checks are distributed mid-October each year.
A Health Savings Account (HSA) is an individually-owned, tax advantaged account that is used for health care expenses for those who have high deductible health plans (HDHP). You can use it as you acquire expenses or save the funds for future expenses. You decide what expenses you pay with your HSA fund. An HSA offers triple tax savings with pre-tax or tax-deductible contributions, tax-free interest and investment earnings and tax-free distributions (when used for eligible medical expenses).
A Money Market Savings Account developed to compete with mutual funds and passbook accounts at other banks. The advantage is that you have daily access to your funds and 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. If the balance falls below the $500 minimum anytime during the month, a fee of $11 will be assessed and no interest will be earned. The interest rate is tiered based on account balance. The rate change is effective the first business day of each month. *See restrictions
Click here for Money Market Account rates*Restrictions for Silver Eagle Money Market account - By Federal Regulation, you are allowed only 6 third-party withdrawals or transfers by check, ATM card or similar payment per month on a Money Market account. However, you can make unlimited withdrawals at no cost at Wayne Bank's ATM, in person at the Bank, or by request mailed to the Bank.
Wayne Bank 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.
Pay no income tax on the contributions or the earnings until you withdraw funds. Individuals who qualify may contribute up to $5500 for 2016 or 100% of earned income, whichever is less. Individuals age 50 or older will benefit from even higher limits, allowing those closest to retirement to save even more.
A great way to diversify your portfolio. A Roth IRA is similar to a traditional IRA, but you deposit after-tax funds, some distributions are tax-free, and eligibility requirements have been expanded to allow greater funding. Tax-free earnings make a Roth IRA attractive.
We offer a Visa Platinum Credit Card, contact any Wayne Bank and Trust Co. representative to receive an easy to complete application. Click here for more information.
Click here to access:EDIE calculates the insurance coverage for Personal Accounts—deposits held by people in single accounts, joint accounts, POD/ITF accounts, living trust account, irrevocable trust accounts, and Individual Retirement Accounts (IRAs); Business Accounts—deposits held by corporations, partnerships, and organizations, both for-profit and not-for-profit; and Government Accounts—deposits held by public units such as school districts, cities, municipalities, counties, and states