Welcome to WB4, our virtual branch!


We’re delighted you chose us to be your bank! As our thanks to you, we’ll give you a FREE gift and up to $10 for your debit cards and unused checks from your old account when you open a new account! Tell-A-Friend about Wayne Bank and you’ll both get a FREE gift!

Click here to view the full brochure.​


Savings Accounts


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.

Youth Savings 

A savings account for our customers that are below the age of 18 years.  You must deposit $5 to open this account.  

529 College Savings Plan

  • The 529 Savings Plan is an avenue for parents, grandparents, aunts, uncles and other family members to contribute to a savings plan for a child to pay for college and that can offer a tax benefit for the giver (as long as the funds are used for qualified education expenses)!
  • The funds can be used at any accredited college, university or technical school in any state.
  • Contributions can be made regardless of income with extremely high maximum contribution limits-up to $298,770.
  • The tax benefits are that the earnings grow federally and Indiana state tax-free and distributions to pay qualified education expenses are tax-free! Special tax credits are available to Indiana taxpayers as well. Contributions are eligible for an Indiana state income tax credit of 20% up to $1000 per year!
  • Learn more at https://www.collegesavings.com/waynebankwaytru

Christmas Club 

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.

Click here for Savings Account rates

Health Savings Account

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).

What are the benefits of an HSA?
  • Contributions are pre-tax or tax-deductible and can be made by anyone.
  • Earnings are tax deferred.
  • Distributions are tax-free if used for qualified medical expenses.
  • These expenses can be for you, your spouse and your tax dependents.
  • Unused funds and earnings can be carried over from year to year.
  • HSAs are portable - even if you change jobs or stop working. There is no "use it or lose it" rule.
HSA Eligibility
  • You Must be enrolled in a high deductible health plan (HDHP).
  • An HDHP generally has lower premiums than other types of health plans, but also has higher deductibles. There are minimal deductibles and limited out-of-pocket expenses to qualify as an HDHP.
  • Inquire with your health insurance provider to see if your health plan meets these requirements.
Our HSA Offers:
  • No enrollment fee
  • No annual fee
  • Free debit card for you and an authorized signer with no transaction fees
  • Free online banking
  • Free e-statements
  • Free checks
  • Tiered interest rate

Silver Eagle Money Market Account

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.

Certificates of Deposits

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.


Traditional IRAs

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.

Roth IRAs

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.

Other Services

  • Fax Service
  • Notary Service
  • Safe Deposit Boxes - Your valuables and important papers can be safe and secure from fire, theft and prying eyes. We have several sizes of boxes available to best suit your needs and budget.
  • Visa Gift Cards

Credit Cards

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.

FDIC's Electronic Deposit Insurance Estimator (EDIE)

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