ACCOUNTS AND RATES QUOTED ARE EFFECTIVE AS OF

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

•		We use the daily balance method to calculate the interest on all accounts.
•		Interest begins to accrue on the business day you deposit.
•		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 on all accounts.
•		Interest begins to accrue on the business day you deposit.
•		Your interest rate and annual percentage yield may change at our discretion.
•		The current rate will be posted in our lobby or can be obtained by calling 217-347-7173.
•		Interest is compounded daily and credited quarterly on Jan.31, April 30, July 31, and Oct. 31.
•		Passbooks must be presented for withdrawals.
•		If an automatic teller machine card is issued for this account it will be changed to a monthly statement savings account with all other terms remaining the same.
•		No fee is charged if you maintain a $100.00 average monthly balance. You will be charged a $2.00 monthly fee if your average balance falls below $100.00.
•		Account closing fee (within 90 days of opening) - $25.00
•		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 on all accounts.
•		Interest begins to accrue on the business day you deposit.
•		Interest compounds daily and is credited on your quarterly statement - Jan 31, Apr 30, Jul 31 & Oct 31st
•		Interest rate will drop to 1.00% if your monthly average balance falls below $10,000.00
•		You may make 12 free withdrawals per quarter,  (in person, by ATM, Fast-Link Telephone Banking, automatic transfer, or preauthorized).
•		A $2.00 fee will be charged for each additional withdrawal.
•		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 on all accounts.
•		Interest begins to accrue on the business day you deposit.• Your interest rate and annual percentage yield will remain in effect until Christmas Club Checks are issued.
•		Interest is compounded daily and credited annually.
•		Deposits of at least $1.00 may be made at any time.  No withdrawals are permitted.
•		The balance in your account plus the accrued interest will be mailed in early November each year.
•		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 on all accounts.
•		Interest begins to accrue on the business day you deposit.• The interest rate and annual percentage yield will remain in effect until maturity.
•		This account will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.
•		Interest compounds and credits to your account at maturity. You may request an interest check be mailed monthly, quarterly, or semi-annually or transferred monthly to another account in our bank. Interest checks or interest transfers will reduce the annual percentage yield.
•		After the account is opened you may not make deposits into or withdraw from (without a penalty) your account until the maturity date.
•		The penalty for early withdrawal on the 60 Day Certificate and the 91 Day Certificate is all interest paid, credited or accrued on the amount withdrawn, this must equal at least 30 days simple interest, whether earned or not.
•		The 182 Day and 10 MONTH Certificate early withdrawal penalty is all interest paid, credited or accrued on the amount withdrawn, this must equal to at least 90 days simple interest whether earned or not.
•		Your account will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from maturity date to withdraw without a penalty.
•		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 on all accounts.
•		Interest begins to accrue on the business day you deposit.• The interest rate and annual percentage yield will remain in effect until maturity.
•		Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31st. You may request an interest check to be mailed monthly, quarterly, semi-annually or transferred to another account at our bank. Interest checks or interest transfers will reduce the annual percentage yield.
•		The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.
•		After the account is opened you may not make deposits into or withdraw from (without a penalty) your account until the maturity date.
•		Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.
•		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 on all accounts.
•		Interest begins to accrue on the business day you deposit.
•		Interest is compounded and credited quarterly on JAN. 31, APR. 30, JUL. 31 & OCT. 31st. You may request an interest check to be mailed monthly, quarterly, semi-annually or transferred to another account at our bank. Interest checks or interest transfers will reduce the annual percentage yield.
•		The certificate will automatically renew at the interest rate in effect at maturity. You will have ten calendar days from the maturity date to withdraw without a penalty.
•		After the account is opened you may not make deposits into or withdraw from (without a penalty ) your account until the maturity date. Early withdrawal penalty is an amount equal to 180 days simple interest, whether earned or not.
•		The interest rate for your account will be paid until maturity, unless you exercise your right to bump the rate.
•		The option must be exercised by the accountholders in person in writing on a form provided by the institution and acknowledged by our representative.
•		The Bump Rate option does not extend the original maturity date.
•		The new adjusted interest rate is paid from the date the original interest rate is bumped to the end of the original term.
•		If your certificate auto-renews, the Bump Rate option is allowed one time during each renewal period.
•		All initial accounts must be opened in person by the primary account holder.  Proper identification is required to open any account.

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!