Upcoming Account Changes: What You Need to Know
We want to keep you informed of upcoming changes that may impact your account(s).
Paper Statement Fee – Effective September 1, 2025
Starting September 1, 2025, a $3.00 monthly fee will apply to mailed paper statements for all checking accounts. Primary account holders 60 or older are exempt.
Avoid this fee by enrolling in e-Statements before September 1, 2025, and enjoy secure, convenient access to your account statements online.
Updated Terms & Fees – Effective July 1, 2025
On July 1, 2025, we’re updating the terms and conditions of our deposit accounts. These updates include changes to fees for consumer checking and savings accounts, as well as general service fees.
We encourage you to review the updated terms and fees below to understand how these changes may affect your account(s).
Have questions?
We’re here to help. Please don’t hesitate to contact us—we’re always happy to assist. We value your trust and remain committed to offering fair, transparent rates and services.
Elite Plus Checking and Elite Plus/Saver Checking¹
· At least one direct deposit/ACH required to qualify for higher interest rate in addition to existing minimum requirements. See account disclosure for other minimum requirements.
· If you do not meet the minimum requirements per statement cycle, your account will earn 0.01% annual percentage yield.
· ATM fee refunds up to $15.00 per statement cycle when minimum requirements are met.
Elite Value Checking¹
· If you do not meet the minimum requirements per statement cycle, your account will earn 0.01% annual percentage yield.
· ATM fee refunds up to $15.00 per statement cycle when minimum requirements are met.
Elite Rewards Checking¹
· At least one direct deposit/ACH required to qualify for higher interest rate in addition to existing minimum requirements. See account disclosure for other minimum requirements.
· ATM fee refunds up to $15.00 per statement cycle when minimum requirements are met.
· Reward tiers for Cash Back Rewards have changed, please see below.
Reward tiers for debit card purchases which post & settle per statement cycle:
| TIER 1 | $150.00-$500.00 | EARN $5.00 CASH BACK REWARDS |
| TIER 2 | $500.01-$5,000.00 | EARN $7.50 CASH BACK REWARDS |
| TIER 3 | $5,000.01+ | EARN $10.00 CASH BACK REWARDS |
Tiered Interest Checking:
· A monthly service fee of $8.00 will be imposed each month if the minimum balance falls below $2,500.00.²
· Interest will start accruing at $2,500.00.
Health Savings Account:
· A monthly service fee of $2.00 will be imposed each month if the minimum balance falls below $500.00.
Tiered Statement Savings:
· A monthly service fee of $3.00 will be imposed each month if the minimum balance falls below $100.00.²
· Interest will start accruing at $100.00.
Other Fee Changes:
| IRA transfer fee | $30.00 |
| Stop payment request | $30.00 |
| Fee for using a non-WSB ATM | $2.50 |
| Wire transfer fee within U.S. | $30.00 |
| Wire transfer fee outside U.S. | $65.00 |
| Garnishment & Levy fee | $75.00 |
| Non-Customer Check Cashing Fee | $5.00 |
| Counter checks (per check) | $0.50 |
|
Dormant account fee (waived for minors)
|
$5.00/month |
| Returned mail/Bad address fee | $5.00/occurrence |
| Mailed paper statement fee on all checking accounts⁴ | $3.00/month |
¹ Changes go into effect for the statement cycle ending August 20, 2025 for Elite Accounts Only.
² Prior to July 1, 2025, this fee was based on the average daily balance.
³ Checking accounts are considered dormant after 12 months of inactivity. Savings accounts are considered dormant after 24 months of inactivity.
⁴ Fee goes into effect September 1, 2025. Primary account holders 60 or older are exempt.
