PERSONAL CHECKING ACCOUNTS

• MINT Checking
• Traditional Checking
• Value Checking
• Classic & Student Checking
• Premier Checking

PERSONAL SAVINGS ACCOUNTS

• Money Market Account
• Personal Savings Account

• Student Savings Account

TELEBANC

Just another way Wyoming Bank & Trust hopes to make your life a little easier. Check out the details on our TeleBanc Program

BUSINESS CHECKING ACCOUNTS

• Non-Profit Organization Checking
• Interest Non-Profit Organization Checking
• Business Checking
• Business Analysis Checking
• Business "Sweep" Accounts

BUSINESS AND ORGANIZATIONAL SAVINGS ACCOUNTS

• Business Savings Account
• Business or Organization Money Market Account

FDIC INSURANCE is provided for our deposit accounts up to $100,000.00. Under certain conditions coverage can be greater. See our customer staff for details.

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             Personal Checking Accounts

Wyoming Mint Banking

For the discriminating depositor who deserves the best in checking account services.  Wyoming Bank & Trust MINT Banking is a special product that offers higher than market interest rates and no fees.  MINT Banking customers receive higher interest rates on their checking accounts and Certificates of Deposits, lower rates on loans, and no fees on many traditional bank services.  This account requires a $10,000 minimum balance. Please call a personal banker at 307-632-7733 for more details.

Traditional Checking

• $100 minimum to open
• Non-Interest bearing
• Unlimited check writing
• ATM / Debit Card / Overdraft Protection upon approval
• 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
• $500 minimum monthly balance (or)
  minimum monthly deposit or outstanding loan aggregate> $10,000 to avoid a Monthly Service Charge (M.S.C.)
• If a M.S.C. does apply, the following fee will be assessed:
•  
  • W / "Check-Safe-Keeping" - $6 M.S.C.
  • W/ Check Imaging - $8 M.S.C.

   

Value Checking

• $100 minimum to open
• No minimum balance requirements
• Non-Interest bearing
• ATM / Debit Card / Overdraft Protection upon approval
• 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
•  
  • W / "Check-Safe-Keeping"   - $6 Flat Monthly Fee
  • W/ Check Imaging   - $8 Flat Monthly Fee
• Personalized bank stock wallet checks at no charge (or) equal credit towards duplicates
• $.05 per check > 40 checks per month

Classic & Student Checking

• No minimum to open
• Must be 62 years of age or over (or) full-time student
• Non-interest bearing
• Unlimited check writing
• ATM / Debit Card / Overdraft Protection upon approval
• Internet Banking $3.00 per month (excludes any Internet access fee paid by customer)
• Internet Bill Payments - 10 for $5.00 per month, > 10 per month, $.50 each
• $250 minimum monthly balance ( or ) minimum monthly deposit & outstanding  loan aggregate*> $1,000 to avoid a Monthly Service Charge (M.S.C.)
• If a M.S.C. does apply, the following fee will be assessed:
•  
  • W / "Check-Safe-Keeping"   - $3 M.S.C.
  • W/ Check Imaging   - $5 M.S.C.
• Free Trial Order (50) of personalized wallet or duplicate checks

Premier Checking

• $100 minimum to open
• Interest bearing / compounded monthly**
• Unlimited check writing
• ATM / Debit Card / Overdraft Protection upon approval
• 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
• $1,000 minimum monthly balance (or) minimum monthly deposit or outstanding loan aggregate> $15,000 to avoid a Monthly Service Charge (M.S.C.)
• If a M.S.C. does apply, the following fee will be assessed:
•  
  • W / "Check-Safe-Keeping" - $7 M.S.C.
  • W/ Check Imaging   - $9 M.S.C.
• First order of personalized bank stock wallet checks at no charge (or) equal credit towards duplicates
• No charge for Travelers Checks, Cashiers Checks or Money Orders
• $15 credit towards Safe Deposit Box rental for one year (while supply lasts - good only at time of account opening)

*VISA and Conventional Mortgage loans not included

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

*** While supply lasts - good at time of account opening only

FDIC INSURANCE is provided for our deposit accounts up to $100,000.00. Under certain conditions coverage can be greater. See our customer staff for details.

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                  Savings Accounts

Money Market Account

• $100 minimum to open
• $2,500 minimum balance to earn interest or avoid a Monthly Service Charge (M.S.C.)

• If the average collected balance falls below $2,500 anytime during the month, the interest rate will be 0%.
• Withdrawal are limited to three (3) per month. Any such transaction in excess of three (3), may be charged an Excess Withdraw Fee of $1 per transaction.
• (such transactions that continually exceed these parameters will 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 collected balance must be maintained to earn interest for the statement period.
• Withdrawal are limited to six (6) per quarter. Any such transaction in excess of six (6), may be charged an Excess Withdraw Fee of $1 per transaction.

• (such transactions that continually exceed these parameters will result in account closure)

Additional Note:  Personal Savings without checking account - $500 minimum balance to avoid a quarterly service charge of $10.  Withdrawals in excess of two (2) per month will be charged a fee of $1 each.

Student 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 collected balance must be maintained to earn interest for the statement period.
• Withdrawal are limited to six (6) per quarter. Any such transaction in excess of six (6), may be charged an Excess Withdraw Fee of $.50 per transaction.
• (such transactions that continually exceed these parameters will result in account closure)

  ** Interest rate determined by WB&T and is subject to change.

FDIC INSURANCE is provided for our deposit accounts up to $100,000.00. Under certain conditions coverage can be greater. See our customer staff for details.

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Stay In-Touch with Wyoming Bank & Trust's TeleBanc Telephone Banking!
Day or night, week-end or holiday, you have instant access to your accounts, and answers to other banking questions. No matter how often you use the automated services of our 24 hour TeleBanc service, it is absolutely free. (Call 634-BANK or 877-634-BANK)

It's So Easy!
Just sink into your favorite chair, reach for your touch-tone phone and press a few buttons. All you'll need is your social security number and PIN (Personal Identification Number).

It's so easy that once you've called a few times, you'll probably be able to bypass the instructions altogether.

TeleBanc Answers Your Key Questions
Banking Questions can pop up at any hour of the day or night. Now, with TeleBanc, you can pick up any touch-tone phone anytime, and...

• Get your current balances for your checking and savings accounts.
• Confirm the amounts and dates of your last ten checking deposits, or your last ten savings deposits or withdrawals.
• Determine whether a specific check has cleared. Or, get a list of the last 10 checks that have cleared.
• Transfer funds.
• Make loan payments

A Friendly Voice
If you find you need additional information or assistance, you can always speak person-to-person with a Wyoming Bank & Trust Banker anytime between 8:00 and 5:30, Monday through Friday at 632-7733 or 547-3535.

TeleBanc 24-Hours is the Answer
Day or night, 24 hours a day, from any touch-tone phone anywhere. When you have a question, TeleBanc is handy, quick and easy to  use. It's the answer!

It's just another brand of
Wyoming Bank & Trust's
"One On One" service"

 (307) 634-BANK (2265)

(877) 634-BANK (2265)

Interest Non-Profit Organization Checking

• No minimum to open
• ** Interest bearing Compounded Monthly
• $1,000 average monthly collected 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. The first 50 debit and 150 credit items are processed monthly at no charge.

• No minimum to open
• $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 Checking Account.
• VISA and MasterCard Merchant Card 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 of your account.

• No minimum balance requirements
• ** Earnings credit paid on average monthly collected balance, not to exceed monthly charges assessed by the bank.
• $10 flat monthly fee
• $.08 per debit or credit item processed
• VISA and MasterCard Merchant Card 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

** Earnings credit rate & interest rates set by Wyoming Bank & Trust - subject to change

Business and Organizational Savings Accounts

• If the daily collected balance falls below $2,500 anytime during the month, the interest rate will be 0%.
• Withdrawal are limited to three (3) per month. Any such transaction in excess of three (3), may be charged an Excess Withdraw Fee of $1 per transaction.
• (such transactions that continually exceed these parameters will 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 or call 307-632-7733.

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