Checking
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Checking 


Free Checking
∑ No interest earned
∑¬†Duplicate¬†checks¬†
∑ No minimum balance

Value Image Checking
∑ $100 minimum balance
∑ Variable interest paid, determined by balance
∑ $7.50 monthly service charge for dropping below minimum balance. (One charge per statement)
∑ Image statement of checks, $2.00 per month
. First 150 basic checks free
. No minimum balance if you have direct deposit to the account

Value Plus Checking
∑ This account is designed for customers receiving Social Security, Pension, Retirement and Disability payments.
∑ First 150 basic checks free
∑ Duplicate checks
∑ No minimum balance if you have a Direct Deposit to the account
∑ $100 minimum balance if you do not have a Direct Deposit to the account
∑ Variable interest paid determined by balance
∑ $7.50 monthly service charge for dropping below minimum balance. (One charge per statement)

Elite Checking
∑ No minimum balance
∑ Duplicate checks
∑ Free basic checks
∑ Variable interest paid, determined by balance
∑ No charge for Money Orders
∑ $5.00 monthly membership fee ($3.00 for age 50+)

Money Market Account (MMDA)
∑ First¬†150 basic checks free
∑ Monthly statement cycle date is 17th
∑ $500 minimum balance
∑ Variable interest paid, determined by balance
∑ $7.50 monthly service charge for dropping below minimum
∑ Choice of duplicate checks or image statement

Commercial Accounts
∑ Pursuant to Federal Law, checking accounts that earn interest are not available to commercial customers.
∑ Exceptions to this rule are: sole proprietors, husband & wife partnerships, government agencies and non-profit organizations.
∑ Commercial accounts pay a fee for deposits and for checks that clear the account.
∑ A Earnings Credit rate is paid in lieu of interest.
∑ Wells Federal Bank Offers Two Commercial Accounts.

Commercial Level One is designed for small or seasonal businesses. It is also ideal for the business customer that is just getting started.

∑ No maintenance fee
∑ No minimum balance
∑ 100 free total items
∑ Free ACH credits

If your account activity exceeds 100 total items, excluding ACH credits, you will be charged $0.35 per item.

Commercial Level Two is designed for businesses with a larger volume of checking and deposit activity.

The following charges apply:
∑ $7.50 monthly fee
∑ No minimum balance requirement
∑ Earning credit paid on the average available monthly balance
∑ $.20 per deposit
∑ $.06 per on-us deposit item
∑ $.10 per transit deposit item
∑ $.15 per check that clears the account
∑ $.20 per ACH credit
∑ $.15 per ACH debit
 

Unless specifically addressed on this website, all other charges apply as listed in the current Schedule of Fees and Charges.

A 30-day notice will precede any changes in these charges.

 

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