Business Checking & Savings

We Offer A Wide Range of Accounts To Meet Your Needs

Our representatives can help you determine which products will best suit your financial needs.

Non-Profit Organization Checking

  • No minimum to open
  • Non-Interest bearing
  • Up to 25 debit and/or credit items processed per month with no charge.  If the account activity exceeds these parameters, the Bank will have the option to convert the account to the Business Checking Account.
  • Return of imaged checks with monthly statement
  • Free Internet Banking (excludes any Internet access fee paid by customer)
  • Internet Bill Payments – 10 for $5.00 per month, > 10 per month, $.50 each

Interest Non-Profit Organization Checking

  • No minimum to open
  • Interest bearing – compounded monthly**
  • $1,000 minimum balance to avoid a Monthly Service Charge (M.S.C.).  If a M.S.C. does apply, a fee of $5 will be assessed.
  • Up to 25 debit and/or credit items processed per month with no charge.  If the account activity exceeds these parameters, the Bank will have the option to convert the account to the Business Checking Account.
  • Return of imaged checks with monthly statement
  • Free Internet Banking (excludes any Internet access fee paid by customer)
  • Internet Bill Payments – 10 for $5.00 per month, > 10 per month, $.50 each

Business Checking

This account makes great sense for the small business. You will benefit by having the first 50 debit items and 150 credit items clear your account monthly with no fee.

  • $1,000 minimum balance to avoid a Monthly Service Charge (M.S.C.).  If a M.S.C. does apply, a fee of $10 will be assessed.
  • First 50 debit (check) items will be processed monthly with no fee.  First 150 credit (deposit) items will be processed monthly with no fee.
  • A fee of $.08 will apply to each item over 50 debits or 150 credits.  If the account activity exceeds these parameters, the Bank will have the option to convert the account to the Business Analysis Checking Account.
  • Credit Card Merchant Services available
  • Night depository (at the Cheyenne location only)
  • Coin and currency services available
  • Return of imaged checks with monthly statement
  • Free Internet Banking (excludes any Internet access fee paid by customer)
  • Internet Bill Payments – 10 for $5.00 per month, > 10 per month, $.50 each

Business Analysis Checking

This account provides larger businesses with a wide variety of convenient services. You will receive an earnings credit that allows you to off-set or eliminate fees based on the balance in your account.

  • No minimum balance requirement
  • Earnings credit** paid on daily collected balance, not to exceed monthly charges assessed by the bank
  • $10 Flat Monthly fee
  • $.08 per debit or credit item processed
  • Credit Card Merchant Services available
  • Night depository (at the Cheyenne location only)
  • Coin and currency services available
  • Return of imaged checks with monthly statement
  • Free Internet Banking (excludes any Internet access fee paid by customer)
  • Internet Bill Payments – 10 for $5.00 per month, > 10 per month, $.50 each

** Interest Rate and Earnings Credit are set by Wyoming Bank & Trust and are subject to change.

Business and Organizational Savings Accounts

  • $100 minimum balance to open
  • 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 $8 will be assessed.
  • $100 daily balance must be maintained to earn interest for the statement cycle
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) will be charged an Excess Withdraw Fee of $2 per transaction (transactions that continually exceed these parameters may result in account closure)

Organization or Business Money Market Account

  • $100 minimum to open
  • $1,500 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 – $1,500 = $5 M.S.C.       $0 – $749 = $10 M.S.C.
  • Interest bearing – compounded monthly**
Tier Four Rate minimum balance of $2,500 – $24,999
Tier Three Rate minimum balance of $25,000 – $49,999
Tier Two Rate minimum balance of $50,000  – $74,999
Tier One Rate minimum balance of $75,000 and up
  • If the daily balance falls below $2,500 anytime during the month, the interest rate will be 0%.
  • Withdrawal are limited to six (6) per month.  Withdrawals in excess of six (6) will be charged an Excess Withdraw Fee of $2 per transaction (transactions that continually exceed these parameters may result in account closure)

Business Sweep Accounts

For larger balance business accounts, Wyoming Bank & Trust offers accounts which can sweep your excess balances daily.  For more information, please contact a Customer Service representative at 307-632-7733.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s  accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov