ACCOUNTS AND RATES QUOTED ARE EFFECTIVE AS OF

Please click on the individual "account type" for additional disclosures.

ACCOUNT TYPE	MINIMUM BALANCE to Open an Account	ANNUAL PERCENTAGE YIELD	BALANCES REQUIRED to obtain APY	INTEREST RATE
SUPER NOW CHECKING* & MONEY MARKET DEPOSIT ACCOUNT*	$2,500.00	0.10%	less than $2,500	0.10%
		0.25%	$2,500 - $9,999	0.25%
		0.45%	$10,000 - $49,999	0.45%
		0.65%	$50,000 - $99,999	0.65%
		0.85%	$100,000 - $249,999	0.85%
		1.00%	$250,000 or more	1.00%
GO GREEN CHECKING	NA	2.50%	$0.01 - $25,000	2.47%
		1.00-2.50%	$25,000.01 or more	1.00%

		NSF - Overdrawn Check		$20.00/ck
		Check returned for any reason		$25.00/ck
		Stop payment request		$18.00/ck
		Cashier's Check		$4.00/ck
		Duplicate copy of check		$5.00/ck
		ATM fee at another bank's machine		$1.50 (per transaction)
		Replace ATM/Debit Card		$10.00
		Personalized check printing		Varies
		Dormant fee (per month)		$5.00
		Research fee (minimum 1 hour)		$25.00/hr
		Duplicate copy of Bank Statement		$5.00 (per statement)
		Collection fee		$10.00
		Incoming Wire fee		$10.00
		Wire transfer within U.S.		$20.00
		Wire transfer outside U.S.		$40.00
		Traveler Cheques		$1.00 (per $100.00)
		Travelers Cheques for two		$2.00 (per $100.00)
		Indemnity Bonds		$10.00
		Account closing fee (within 90 days)		$25.00
		Levy fee		$50.00
		Fax service (per page)		$1.00
		Photocopies (per page)		$0.25
		Notary Service		No Fee
		Redeposit returned check fee		$3.00/ck (Business Accounts)
		Direct Deposit Payroll		$5.00 per batch an .08ç per transaction
		Remote Deposit Capture		$70.00 per month (includes equipment)

•		We use the daily balance method to calculate the interest.
•		This method applies a daily periodic rate to the principle in the account each day.
•		Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
•		The APY assumes interest will remain on deposit. A withdrawal will reduce earnings.
•		Current rates will be posted in our lobby or can be obtained by calling 217-347-7173
•		You must deposit $500.00 to open this account.
•		No fee is charged if you maintain a $500.00 average monthly balance. You will be charged a $7.00 monthly fee if your average balance falls below $500.00.
•		The interest compounds daily and is credited on your monthly cycle date.
•		Your interest rate and APY may change at our discretion.
•		All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.
•		*Fees could reduce earnings.

•		We use the daily balance method to calculate the interest.
•		This method applies a daily periodic rate to the principle in the account each day.
•		Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
•		The APY assumes interest will remain on deposit. A withdrawal will reduce earnings.
•		Current rates will be posted in our lobby or can be obtained by calling 217-347-7173
•		You must deposit $1000.00 to open this account.
•		No fee is charged if you maintain a $1000.00 average monthly balance.  You will be charged a $10.00 monthly fee if your average balance falls below $1000.00
•		The interest rate and APY may change at our discretion.
•		All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.
•		*Fees could reduce earnings.

•		No service charge or activity fee if you maintain a $5,000.00 average monthly balance.
•		$5.00 monthly service charge if your average monthly balance falls below $5,000.00.
•		$10.00 monthly service charge if your average monthly balance falls below $1,000.00.
•		If your average monthly balance is below $5,000.00 there will be an activity fee of .03 per item.
•		All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.

•		$1000.00 minimum to open an account.
•		No monthly fee if you maintain a $1000.00 monthly average balance.
•		There will be a $8.00 monthly fee if you average monthly balance falls below $1000.00.
•		Offered to businesses with other account relationships with us.
•		All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.

•		We use the daily balance method to calculate the interest.
•		This method applies a daily periodic rate to the principle in the account each day.
•		Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
•		The APY assumes interest will remain on deposit. A withdrawal will reduce earnings.
•		Current rates will be posted in our lobby or can be obtained by calling 217-347-7173
•		Your interest rate and annual percentage yield may change at our discretion.
•		You must deposit $2,500.00 to open this account.
•		You will be charged $2.00 monthly service fee, plus .15 cents per check written.
•		Interest compounds daily and is credited on your monthly cycle date.
•		All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.
•		*Fees could reduce earnings.

•		We use the daily balance method to calculate the interest.
•		This method applies a daily periodic rate to the principle in the account each day.
•		Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
•		The APY assumes interest will remain on deposit. A withdrawal will reduce earnings.
•		Current rates will be posted in our lobby or can be obtained by calling 217-347-7173
•		Your interest rate and annual percentage yield may change at our discretion.
•		You must deposit $2,500.00 to open this account.
•		Interest compounds daily and is credited on the monthly cycle date.
•		There will be a $5.00 service fee any month your average balance is below $1,000.00.
•		There are no limitations on the amount or frequency of withdrawals or transfers from this account, when effected by mail, messenger, automated teller machine or in person.  All other withdrawals are restricted to no more than six per month, this includes withdrawals by check, debit card, draft or similar device drawn by the accountholder to third parties.
•		All initial accounts must be opened in person by the primary account holder. Proper identification is required to open any account.
•		*Fees could reduce earnings.

•		We use the daily balance method to calculate the interest.
•		This method applies a daily periodic rate to the principle in the account each day.
•		Interest begins to accrue on the business day you deposit and will be paid to the date of withdrawal.
•		The APY assumes interest will remain on deposit. A withdrawal will reduce earnings.
•		Current rates will be posted in our lobby or can be obtained by calling 217-347-7173
•		No monthly fees or minimum balance required.
•		Your interest rate and annual percentage yield may change at our discretion.
•		Interest compounds daily and is credited on your monthly cycle date.
•		Minimum requirements: Must log in to online banking, receive eSTATEMENTS, and make at least 15 transactions of any combination of debit card purchases, bill payments, or preauthorized withdrawals per statement cycle.
•		If the minimum requirements are met, balances between $0.01 and $25,000.00 will earn the top tier rate, balances over $25,000.00 will earn the second tier rate. If you do not meet the requirements per statement cycle, your account will earn .10% annual percentage yield.
•		If the minimum requirements are met, we will refund up to $20.00 of ATM foreign fees and surcharges per statement cycle

Customer eWarning

WASHINGTON SAVINGS BANK will NEVER request any confidential information from a customer such as account number, social security number, PINs or passwords by email or phone call. Never give out confidential information unless you have originated a voice or in-person conversation and we are requesting this for identification reasons.

Never give your PIN or password to anyone, including WASHINGTON SAVINGS BANK Staff. Emails from legitimate sources such as a bank or the FDIC can be faked!

When entering our ebranch (website), only enter directly at www.washingtonsavings.net in your browser. Never allow another website (such as a search engine or other website or bookmark) to transfer you to our website. Websites can be faked if not entered directly!