Savings Accounts

Money Market Account

  • $100 minimum to open
  • $2,500 minimum balance to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Minimum balance of $750 – $2,499 = $5 M.S.C
      • Minimum balance of $0 – $749 = $10 M.S.C.
  • Interest bearing**, compounded monthly.
    • Tier 1: Minimum balance of $2,500 – $24,999
    • Tier 2: Minimum balance of $25,000 – $49,999
    • Tier 3: Minimum balance of $50,000 – $99,999
    • Tier 4: Minimum balance of $100,000 – $ 249,999
    • Tier 5: Minimum balance of $250,000 or more
  • $2,500 daily balance must be maintained to earn interest for the statement period
  • Withdrawals or transfers are limited to six (6) per month. Withdrawals or transfers in excess of six (6) will be charged an excess withdrawal fee of $1/transaction (Transactions that continually exceed these parameters may result in account closure.)

Personal Savings Account

  • Interest bearing**, compounded quarterly
  • $300 minimum balance to avoid a quarterly service charge (Q.S.C.)
    • If a Q.S.C. does apply, a fee of $6 will be assessed
  • $50 daily balance must be maintained to earn interest for the statement period
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) per quarter will be charged an excess withdrawal fee of $1/transaction

Personal Savings Account without Checking

  • Interest Baring**, compounded quarterly
  • $50 daily balance must be maintained to earn interest for the statement period
  • $500 minimum balance to avoid a Quarterly Service Charge (Q.S.C.) of $10
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) per quarter will be charged an excess withdrawal fee of $1/transaction. Transactions that continually exceed these parameters may result in account closure

Student Savings Account

  • To qualify for the Student Savings, you. must be age 26 or younger and a full time student. After age 26 the account will automatically convert to a Personal Savings Account.
  • Interest bearing**, compounded quarterly
  • $50 minimum balance to avoid a quarterly service charge (Q.S.C.)
    • If a Q.S.C. does apply, a fee of $3 will be assessed
  • $10 daily balance must be maintained to earn interest for the statement period
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) will be charged an excess withdrawal fee of $.50/transaction (Transactions that continually exceed these parameters may result in account closure.)

Health Savings Account

  • Interest bearing**, compounded monthly: paid on collected daily balance
  • Minimum daily balance of $500 to earn interest
  • $100 minimum to open
  • Unlimited check writing
  • Statements with images will be provided
  • HSA Debit Card
  • Monthly Service Charge (M.S.C.) of $2/month if the minimum balance fall below $500
  • $2.00 monthly service charge for paper statements and eStatements

Tier 1: Minimum balance of $500 – $24,999
Tier 2: Minimum balance of $25,000 – $49,999
Tier 3: Minimum balance of $50,000 – $99,999
Tier 4: Minimum balance of $100,000 – $ 249,999
Tier 5: Minimum balance of $250,000 or more

**Interest rate to be determined by Wyoming Bank & Trust and is subject to change.