Ron Layman, Mortgage Loan Officer, did an amazing job from start to finish with our loan. My husband and I were first-time home buyers working with sellers that didn’t have a realtor, and he was very patient and answered any questions I had along the way. Ron went out of his way to make sure that communication was always open between us and kept us informed every step of the way. I cannot imagine working with anyone else and will recommend him to anyone that asks!
Now leaving Wilson & Muir Bank
You are leaving the Wilson & Muir Bank website and will be accessing a website for a third party. Wilson & Muir Bank does not provide any privacy policies or security measures on the third-party website and is not responsible for the content. Select Continue below to continue to the website or cancel to return to Wilson & Muir Bank.
Now leaving Wilson & Muir Bank
You are leaving the Wilson & Muir Bank website and will be accessing a website for a third party. Wilson & Muir Bank does not provide any privacy policies or security measures on the third-party website and is not responsible for the content. Select Continue below to continue to the website or cancel to return to Wilson & Muir Bank.
Now leaving Wilson & Muir Bank
You are leaving the Wilson & Muir Bank website and will be accessing a website for a third party. Wilson & Muir Bank does not provide any privacy policies or security measures on the third-party website and is not responsible for the content. Select Continue below to continue to the website or cancel to return to Wilson & Muir Bank.
Wilson & Muir Bank & Trust Co. Mobile Deposit allows you to deposit checks electronically, eliminating the need to make a physical bank deposit.
In order to enroll in this service, you must be designated as an owner of a Wilson & Muir Bank & Trust Co. account (the "Account") that is eligible for this service and be approved by Wilson & Muir Bank & Trust Co.
As conditions to the Bank's provision of service, you must maintain the Account in good standing and comply with requirements and restrictions set forth in these Terms and Conditions, as well as those of the Deposit Account Agreement.
Mobile Deposit allows you to deposit most U.S. consumer and business checks; however certain checks are not supported through the remote deposit channel. These items include but are not limited to: third party checks, foreign checks, substitute checks, government bonds, checks payable in a medium other than U.S. dollars, U.S., state, or other savings bonds.
The bottom of your check contains numeric information that identifies the bank the check is drawn on, the account number and the check number. This information is known as the MICR line (Magnetic Ink Character Recognition). A MICR defect, such as a tear in the MICR line, or markings over the MICR line may inhibit the scanner or mobile phone's ability to read this information. If you receive error messages indicating that the mobile phone is unable to read the MICR line, the check with defects in the MICR line must be physically deposited at the branch or ATM.
To help ensure that an electronically deposited check is not processed multiple times either as an electronic item and/or a physical check requires that you write the words "for mobile deposit only" on the endorsement line of the check to indicate that it will only be deposited electronically. Wilson & Muir Bank & Trust Co. may refuse to accept items which are not endorsed in this manner. Marking a check in this way will also allow you to identify that the item has been photographed and deposited if it becomes intermingled with other undeposited checks.
If you believe you may have deposited a check item more than once, please contact Wilson & Muir Bank & Trust Co. E-Service department immediately at 502-348-5996. Do not re-scan/photograph the items. Wilson & Muir Bank & Trust Co. will provide assistance in determining the best approach for managing the situation.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you transmit your Electronic Item(s) to Wilson & Muir Bank & Trust Co. before 4:00 EST on any business day, we shall review and process your Electronic Item(s) on that business day. If you transmit your Electronic Item(s) to us after the Cut-Off time on any business day, we shall review and process your Electronic Item(s) on the next business day. Your Electronic Item(s) is deemed to have been received by the Bank when the service generates a confirmation message.
Each business day, on which we review and process your Electronic Item, we will use reasonable efforts to review each Electronic Item and to reject any Electronic Item that we in our sole discretion determine to be ineligible for the service (each, an "Exception Item"). "Exception Item" includes, without limitation, an Electronic Item that (a) is illegible or contains MICR data that is not machine-readable, (b) was previously processed as an Electronic Item, or (c) is drawn on banks located outside the United States and is not payable at or through a bank located within the United States. We will notify you of each Exception Item through Wilson & Muir Bank & Trust Co. online banking secure email or other communication channels at our discretion. If you wish to attempt to deposit any Exception Item to your account, you shall do so only by depositing the original paper item on which the Exception Item is based or otherwise agreed between us. Even if we do not initially identify an Electronic Item as an Exception Item when we review and process the Electronic Item to which the Exception Item relates, the Electronic Item, substitute check, or the purported substitute check created by us from it may nevertheless be returned to us because, among other reasons, the Paying Bank determines that such item or check is illegible or missing an image. Our failure to identify an Exception Item shall not preclude or limit your obligation to Wilson & Muir Bank & Trust Co.
All checks posted to your account through MOBILE DEPOSIT are posted subject to our receipt of final payment by the payor bank. Upon receipt of final payment, the item becomes a collected item. If final payment is not received or if any item you have deposited is charged back to us for any reason, you authorize us to charge any of your accounts without prior notice and at any time, for the amount of the returned item, our return fee, any interest paid on that item, and any other fee we pay or incur. We reserve the right to refuse any item for deposit into your account as well as the right to withhold the availability of funds as per the Terms and Condition of your Account Agreement.
Subject to our right to identify and reject Exception Items, we shall be deemed to have accepted each Electronic Item that is not an Exception Item for deposit to the account on the business day that we process the Electronic Item, provided its transmission to us is prior to the Cut-Off Time. In addition, an Electronic Item will be deemed to have been deposited at the office where the account is maintained.
Wilson & Muir Bank & Trust Co." reserves the right to terminate this service at any time and without notice, if in the Bank's sole discretion, the Bank determines that customer has abused the service or the Bank will suffer a loss if the service is not terminated immediately.
FAILURE TO PROTECT YOUR HARDWARE AND SECURITY CREDENTIALS MAY ALLOW AN UNAUTHORIZED PARTY TO ACCESS THE SERVICE AND TRANSMIT AN ELECTRONIC ITEM FOR DEPOSIT. ALL USES OF THE SERVICE THROUGH YOUR SECURITY CREDENTIALS WILL BE DEEMED TO BE AUTHORIZED BY YOU AND BE BINDING UPON YOU. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT OR UNAUTHORIZED USE OF YOUR SECURITY CREDENTIALS. YOU AGREE TO (I) EXERCISE RESPONSIBLE BEHAVIOR WHEN USING THE SERVICE, (II) FOLLOW THE INSTRUCTIONS AND RECOMMENDATIONS THAT Wilson & Muir Bank & Trust Co. PROVIDES YOU WITH RESPECT TO THE SERVICE AND (III) USE MAXIMUM CAUTION IN PROTECTING YOUR HARDWARE AND SECURITY CREDENTIALS FROM UNAUTHORIZED ACCESS. YOU AGREE TO NOTIFY Wilson & Muir Bank & Trust Co. IMMEDIATELY IF YOU BECOME AWARE OF ANY LOSS OR THEFT OF, OR ANY UNAUTHORIZED USE OF THE SERVICE OR YOUR SECURITY CREDENTIALS.
You will use the service only for paper items that are payable to, and endorsed by you.
You will properly secure all hardware you use in connection with the Service (including, but not limited to, securing the hardware with Security Credentials to prevent unauthorized use). You will maintain control over and be responsible for secure retention, storage, and destruction of original paper items for which you have created an Electronic Item. After transmitting the Electronic Item to us, you will retain the original paper items as discussed in the Check Safekeeping, Record Retention and Destruction section of this document.
This policy statement applies to all deposit accounts.
Our Policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day that we are not open, we will consider that the deposit was made on the next business day we are open.
Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $275 of your deposits, however, will be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $6,725 of a day's total deposits of cashiers, certified, teller's travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $6,725 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $6,725 will not be available until the second business day after the day of your deposit.
Funds from all other check deposits will be available on the ninth business day after the day of your deposit.
ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your right and obligations for the transactions listed. You should keep this notice for future reference.
Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:
TELEBANK Telephone Transfers – types of transfers – You may access you account by telephone 24 hours a day at 1-877-965-1116 using your personal identification number, a touch tone phone, and your account numbers, to:
−the account balance of checking account(s)
−the last six deposits to checking account
−the last six withdrawals from checking account(s)
−the account balance of savings account(s)
−the last six deposits to savings accounts
−the last six withdrawals from savings accounts
−the account balance of loan account(s)
−additional loan information:
−the account balance of certificates of deposit
−additional certificates of deposit information:
ATM cards will only be issued to customers with checking accounts. Access to other accounts (savings accounts, etc.) can be added to the ATM card as an additional feature.
ATM Transfers – types of transfers, dollar limitations, and charges – You may access your account(s) by ATM using your ATM card and personal identification number or Visa Debit Card and personal identification number, to:
−dollar limitations will be disclosed in writing at card issuance
−dollar limitations will be disclosed in writing at card issuance
−the account balance of your checking account(s)
−the account balance of your savings account(s)
There is a charge per transaction (withdrawal or balance inquiry) at ATMs we do not own or operate. See fee schedule for charges.
Some of these services may not be available at all terminals.
Types of ATM Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person) and pay for services (in person).
Point-of-Sale Transactions – dollar limitations – Using your card:
Types of Visa Debit Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.
Point-of-Sale Transactions – dollar limitations – Using your card:
Wilson & Muir Online Banking – You may access your account(s) by computer through the internet by logging onto our website at www.wilsonmuirbank.com and using your password, to:
Wilson & Muir Online
All transactions received by our host computer by 4:00 P.M. (EST) will post on that day’s business. All transactions received after 4:00 P.M. will post on the following business day.
Bill Pay
FEES
ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).
DOCUMENTATION
You will get a monthly account statement from us for your checking accounts.
You will get a monthly account statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.
PREAUTHORIZED PAYMENTS
Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give.
FINANCIAL INSTITUTION’S LIABILITY
Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance:
CONFIDENTIALITY
We will disclose information to third parties about your account or the transfers you make:
UNAUTHORIZED TRANSFERS
(a) Consumer liability.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.
ERROR RESOLUTION NOTICE
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days for Visa Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
WILSON & MUIR BANK & TRUST COMPANY
107 N 3RD STREET
BARDSTOWN, KY 40004
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: 1-888-466-5996
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
The USA PATRIOT Act: Preserving Life and Liberty
(Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism)
Congress enacted the Patriot Act by overwhelming, bipartisan margins, arming law enforcement with new tools to detect and prevent terrorism: The USA Patriot Act was passed nearly unanimously by the Senate 98-1, and 357-66 in the House, with the support of members from across the political spectrum.
The Act Improves Our Counter-Terrorism Efforts in Several Significant Ways:
Many of the tools the Act provides to law enforcement to fight terrorism have been used for decades to fight organized crime and drug dealers, and have been reviewed and approved by the courts. As Sen. Joe Biden (D-DE) explained during the floor debate about the Act, "the FBI could get a wiretap to investigate the mafia, but they could not get one to investigate terrorists. To put it bluntly, that was crazy! What's good for the mob should be good for terrorists." (Cong. Rec., 10/25/01)
The Act removed the major legal barriers that prevented the law enforcement, intelligence, and national defense communities from talking and coordinating their work to protect the American people and our national security. The government's prevention efforts should not be restricted by boxes on an organizational chart. Now police officers, FBI agents, federal prosecutors and intelligence officials can protect our communities by "connecting the dots" to uncover terrorist plots before they are completed. As Sen. John Edwards (D-N.C.) said about the Patriot Act, "we simply cannot prevail in the battle against terrorism if the right hand of our government has no idea what the left hand is doing" (Press release, 10/26/01)
The Act brought the law up to date with current technology, so we no longer have to fight a digital-age battle with antique weapons-legal authorities leftover from the era of rotary telephones. When investigating the murder ofWall Street Journalreporter Daniel Pearl, for example, law enforcement used one of the Act's new authorities to use high-tech means to identify and locate some of the killers.
Americans are threatened as much by the terrorist who pays for a bomb as by the one who pushes the button. That's why the Patriot Act imposed tough new penalties on those who commit and support terrorist operations, both at home and abroad. In particular, the Act:
The government's success in preventing another catastrophic attack on the American homeland since September 11, 2001, would have been much more difficult, if not impossible, without the USA Patriot Act. The authorities Congress provided have substantially enhanced our ability to prevent, investigate, and prosecute acts of terror.
| FACTS | WHAT DOES WILSON & MUIR BANK & TRUST DO WITH YOUR PERSONAL INFORMATION? |
|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
|---|
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
|---|
| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons WILSON & MUIR BANK & TRUST chooses to share; and whether you can limit this sharing. |
|---|
| Reasons we can share your personal information | Does WILSON & MUIR BANK & TRUST share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus |
Yes | No |
| For our marketing purposes - to offer our products and services to you |
Yes | No |
| For joint marketing with other financial companies | No | We don't share. |
| For our affiliates' everyday business purposes - information about your transactions and experiences |
Yes | No |
| For our affiliates' everyday business purposes - information about your creditworthiness |
No | We don't share |
| For affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
| Questions? | Call toll-free 800-466-5996 or go to www.wilsonmuirbank.com |
|---|
| What we do | |
|---|---|
| Who is providing this notice? | Wilson & Muir Bank & Trust Company |
| What we do | |
|---|---|
| How does WILSON & MUIR BANK & TRUST protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does WILSON & MUIR BANK & TRUST collect my personal information? |
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can't I limit all sharing? |
Federal law gives you the right to limit only
State law and individual companies may give you additional rights to limit sharing. |
| Definitions | |
|---|---|
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Effective August 28, 2024
No Minimum Balance - No Monthly Service Fee
Unlimited check Writing
Simplified Monthly Statement
Unlimited Check Writing
First Order of Wallet Style Checks is Free
Free Check Image Statements
Free Email Statements available upon request
Maintain $500.00 minimum or pay $7.50 per month
Senior Advantage: No Monthly Service Fee & Free Wallet Checks beginning at the young age of 50.
Online Banking *: No Monthly Charge
Bill Pay: No Monthly Charge
Setup Fee $150.00
Monthly Service Fee $29.95
(1-877-965-1116)
No Monthly Charge
Maintain $500.00 Minimum Balance or pay $10.00
Up to 200 transactions * included per month
FREE Check Image Statements
FREE Email Statements available upon request
Up to $15,000 coin and currency handling monthly
Maintain $2,500.00 Minimum Balance or pay $15.00
Up to 500 transactions * included per month
Excess transactions are $.25 per item
FREE Check Image Statements
FREE Email Statements available upon request
Up to $25,000 coin and currency handling monthly
* Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account.
Account balances receive an earnings credit that is used to offset service charges on the account.
Account is for high-volume businesses
FREE Check Image Statements
FREE Email Statements available upon request
* Transactions include deposit forms, checks deposited, ACH debits and credits and checks drawn against your account.
Earn Tiered Interest on Entire Balance
Unlimited Check Writing
1 box of Wallet Style Checks is FREE per year
FREE Check Image Statements
FREE Email Statements available upon request
Maintain $1,000 minimum balance or pay $10.00 per month.
Money Market Advantage Account
Savings account with Check Writing privileges
FREE Check Image or Email Statements
Maintain $1,000 minimum balance or pay $10.00 per month
Withdrawal Limitations
| Six (6) Withdrawals | No Charge |
| After (6) Withdrawals | $5.00 per Withdrawal |
No Minimum Balance
Unlimited Check Writing
"Everywhere Cash" Savings
Banclub checks are FREE
FREE Check Image Statements
FREE AD&D Insurance
Identity Theft Insurance/Identity Fraud Support
Discounted Gift Cards
Free Payment Card Protection
Monthly Membership: $7.00 Individual, $8.00 Joint, $9.00 Family
| The following fees are waived or modified for Banclub Accounts | |
| Safe Deposit Box | $5.00 Annual Credit on Box Rent |
| Convenient and Easy Funds Transfers | |
| Interest Paid Monthly - Statement Savings | |
| A withdrawal fee of $2.00 will be charged for each debit transaction in excess of six during a month. | |
| Maintain $100.00 minimum or pay $3.00 per month. | |
| Dormant Service Fee | $10.00 per month |
| (Account is dormant if not active for a period of one year. The fee will be added if account is dormant and has a balance less than $100.00.) | |
Insufficient Funds HANDLING Fees: "Overdrafts"
| HANDLING FEE is charged for: | |
| Paid Item Item | $33.00 per item |
| Return Item Item | $33.00 per item |
| (Paid ftem Fee & Return ftem Fee applies to overdrafts created by check. in- person withdrawals. ACH activity. or other electronic means. as applicable when the Ledger Balance in your account cannot cover the items presented for payment. Return Item Fees apply each time an item is presented after its initial day presentment as well. Overdraft Fees do not apply to ATM and Visa Debit Card Activity.) |
|
| HANDLING FEE is charged for: | |
| UCF Paid Item Fee | $33.00 per item |
| UCF Return Item Fee | $33.00 per item |
| (Uncollected Funds) Handling Fee is charged when an item is paid or returned, it applies to overdrafts created by check, in-person withdrawals, ACH activity, or other electronic means, as applicable when the Ledger Balance in your account can cover the items presented for payment, but due to Holds, the Available Balance (Ledger Balance minus Holds) is insufficient. Return Item Fees apply each time an item is presented after its initial day presentment as well. Overdraft Fees do not apply to ATM and Visa Debit Card Activity.) |
|
Overdrawn Accounts (Excessive Overdraft Fee) $5.00 daily fee --- Accounts that are overdrawn in excess of 6 business days (Monday through Friday) or more will be charged a per-day charge starting on business day number 7 and thereafter until the overdraft is eliminated.
| Dormant Service Fee | $10.00 per month. |
| (Account is dormant if not active for a period of six months. The fee will be added if account and has a balance less than $500.00.) | |
| Stop Payment Fee | $28.00 per item |
| $15.00 Account Closing Fee for accounts closing within first 6 months of account opening. |
|
Overdraft Sweep Fee |
$10.00 per sweep. (Notice-Sweep will not always occur. When insufficient funds are not available to cover the overdrawn balance the sweep will not take place |
|
Printed Check Charge |
Price Varies with Check Style |
| ATM Foreign Transaction | $1.50 for each Foreign Transactions Conducted at a non Wilson & Muir Bank ATM |
| Replacement Card Charge | $10.00 per card |
| PIN Number Changes | $ 5.00 per PIN Change |
| Research $20.00 per hour, plus $1.00 per reproduction | |
| Account Reconcilement | $20.00 per hour |
| Special Statement | $ 1.00 per statement |
| Cashiers Checks | $5.00 per check |
| Coupon Collection | $10.00 per envelope |
| Bond Redemption | $15.00 per issue |
| Check Collection: | |
| Customer | Charges as Incurred |
| Non-Customer: | |
| Incoming | $ 5.00 per check |
| Outgoing | $10.00 per check |
| Attachments, Garnishments and Levy | $100.00 per item |
| Foreign Currency Exchange | Charges as Incurred (Customers Only) |
| Customer: | |
| Incoming Wire Fee (customers) | $ 10.00 per wire |
| Outgoing Wires | $20.00 per wire |
| International Wires | $40.00 per wire |
| Non-Customer: | |
| Incoming Wires | $15.00 per wire |
| Lock Bags | $ First Bag Free |
| Additional Bags | $ 15.00 each |
| Replacement Keys | $ 1.00 each |
| Zipper Bags | $ First Bag Free |
| Additional Zipper Bags | $ $5.00 each |
| 3" x 5" | $15.00 Annually |
| 5" x 5" | $20.00 Annually |
| 3" x 11" | $25.00 Annually |
| 5" x 10" | $30.00 Annually |
| 10" x 10" | $60.00 Annually |
| Drilling & Replacing Lock | AT COST |
| Replacing Keys | $20.00 per key |
| Notary Service | $5.00 |
| Photocopies | $0.25 per copy |
We do Business in Accordance With the Fair Housing Act (The Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988)
IT IS ILLEGAL TO DISCRIMINATE AGAINST ANY PERSON BECAUSE OF RACE, COLOR, RELIGION, SEX, HANDICAP, FAMILIAL STATUS (HAVING ONE OR MORE CHILDREN), OR NATIONAL ORIGIN
Anyone who feels he or she has been discriminated against should send a complaint to:
U.S. Dept. of Housing & Urban Development
Asst. Secretary for Fair Housing and Equal Opportunity,
Washington, DC 20410
AS OF DECEMBER 31, 2024
| ASSETS | (IN THOUSANDS) |
|---|---|
| CASH & DUE FROM BANKS | $ 34,847 |
| FEDERAL FUNDS SOLD | 2,893 |
| SECURITIES AVAILABLE FOR SALE | 215,252 |
| LOANS HELD FOR SALE | 115 |
| LOANS, NET | 512,395 |
| PREMISES AND EQUIPMENT, NET | 7,384 |
| FEDERAL HOME LOAN BANK STOCK, AT COST | 1,492 |
| ACCRUED INTEREST RECEIVABLE & OTHER ASSETS | 12,341 |
| TOTAL ASSETS | $ 786,719 |
| LIABILITIES & STOCKHOLDERS' EQUITY | |
|---|---|
| NON INTEREST-BEARING DEPOSITS | $265,873 |
| INTEREST-BEARING DEPOSITS | 434,147 |
| TOTAL DEPOSITS | 700,020 |
| FEDERAL FUNDS PURCHASED | 0 |
| FHLB CASH MANAGEMENT ADVANCE | 2,000 |
| SECURITIES SOLD UNDER AGREEMENT TO REPURCHASE | 42,260 |
| ADVANCES FROM FEDERAL HOME LOAN BANK | 0 |
| ACCRUED INTEREST PAYABLE & OTHER LIABILITIES | 3,411 |
| TOTAL LIABILITIES | 747,691 |
| STOCKHOLDERS EQUITY | |
| COMMON STOCK | 815 |
| SURPLUS | 1,887 |
| AUTHORIZED UNISSUED SHARES | (825) |
| RETAINED EARNINGS | 71,499 |
| ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) | (34,348) |
| TOTAL STOCKHOLDERS' EQUITY | 39,028 |
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $786,719 |
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