Keeping it Simple So You Can Focus on What Matters Most to You

You work hard for your money. As your friends in banking – we want to help you succeed financially and personally. Sometimes, the idea of selecting the right bank and figuring out how to set-up your personal accounts is overwhelming. We keep personal banking simple, so you spend less time reading and worrying and more time feeling comfortable and confident in your future.
At Wayne Bank, we work tirelessly to build a plan for your personal banking success, reduce confusion in the process, and provide you with the latest technology and innovation to manage your money from any location. Many customers continue to bank with Wayne Bank when they travel, relocate, attend college, or even get stationed overseas. This means your personal banking is simple, easy, and safe no matter where you work, travel, and live.

Easy and Affordable Ways to Manage Your Money

Just like you, community matters to Wayne Bank. We know our community loves when things are free and easy – so that’s the heart of our process for personal banking. We make it easy, even if you’ve been closed by another bank or need to start over. Our product and online banking options are simple to use. You have enough going in your life, so we want to make personal banking worry free.
Every new personal checking account includes: 
  • Free debit card
  • Free online banking
  • Free Bill Pay
  • Free mobile banking with mobile deposit
  • Free electronic banking and eStatements with online check images
  • ‘Thank you’ gifts for opening a checking account and referring your friends, family, and co-workers
  • Buy back of your unused checks and debit cards from another financial institution

Tell Your Friends and You Both Win a Free Gift

Friends that stick together thrive together. As a way of saying ‘thanks a lot for telling your friends about us’ – we will give you AND your friend a gift when they open a qualifying Free & Easy checking account at Wayne Bank.
How does this work? Make sure they give us your name as the referral. You can also refer friends online at We will make sure you both get a gift as a sign of appreciation. There is no limit on the number of referrals you can send our way; your recommendation is the best gift we can earn from you.
“When I was overseas serving in the army, I was able to keep my direct deposit going without fail and utilizing my debit card overseas caused me no issues. I got to keep my relationship with the bank even while away. Today, as I work night shift, I can’t always get to the bank during the day, so Wayne Bank’s online banking allows me to bank 24/7 when I need it, no problem. That’s a huge help for a night shift nurse like me. Throughout the years, they’ve always been there for me.”
– Mark, a Wayne Bank Customer
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Frequently Asked Questions about Personal Banking

Q: How much do I need to open an account?
A: The minimum opening deposit amount is only $50.00.
Q: What are the banking fees at Wayne Bank?
A: Wayne Bank likes to keep our fees minimal. We have three checking accounts available that have no monthly service charge. Other fees such as non-sufficient funds, overdraft, sustained overdraft fees, etc. may apply. See fee schedule for details. (This needs to link to our Fee Schedule.)
Q: Tell me more about your FREE gift program for opening a checking account or referring a friend.
A: You will receive a free gift for certain new Free & Easy checking accounts you open at Wayne Bank. Be sure to confirm your account is eligible for the free gift program prior to signing up.
You can also receive a gift for referring a friend to Wayne Bank. Gifts will vary. Contact a representative to inquire on the current free gift. Your free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.
Q: I am transferring from another bank. How does this work?
A: We make it easy for you to transfer your funds from another institution. We will provide you with a Switch Kit to make the process easy. And we will pay you up to $10 for checks and debit cards from another financial institution when the checks/debit cards are presented.
If you have more questions, we are here to help! Simply call us at (765-935-5222) or contact us via email at
Melissa holding an ATHENA award.

ATHENA Leadership Award

Nominate a woman who is changing the lives of others in Wayne County.
Two friends smiling.

Tell a Friend about Free and Easy Checking

And you'll both get a free gift.
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Financial Calculators For Personal & Business

Use calculators to better prepare for your future.