Transaction Accounts

NOW Checking Account - The primary transaction account for individuals and nonprofit institutions. This "hub account" links all other Wainwright Bank products and services.

Business Checking Account - The primary transaction account or disbursement account for corporations and small businesses. This "hub account" links all other Wainwright Bank products and services.

Investment Accounts

High-Yield Money Market Account - Positioned to compete with interest rates offered by money center banks, the High-Yield Money Market Account provides one of the best returns obtainable for your liquid cash reserves. Limited check writing is available.

Money Market Fiduciary Account - Conveniently administer and manage large numbers of accounts with the Money Market Fiduciary Account which provides specialized accounting to group your accounts under one relationship.

Term Certificates of Deposit - To maximize your return for investments under $100,000 choose a Term CD with maturities ranging from 30 days to 5 years. Rates are set weekly and are among the most competitive in the country.

Jumbo Certificates of Deposit - For a minimum $100,000 investment, Jumbo CDs provide some of the highest rates in the country with maturities ranging from 14 days to a year. You can customize a Jumbo CD to mature on a particular date; rates are set daily. Rate quotes on maturities greater than one year are provided upon request.

Commercial Loans - Tailored to meet your specific business needs, Commercial Loans include short and medium term loans, lines of credit, letters of credit, construction and permanent real estate loans and equipment financing.

Residential Mortgage Loans - A full array of home financing options is available including highly competitive Jumbo Adjustable Rate Mortgages with no points and a special 10-year interest-only option. Residential real estate loans are secured by property principally located in Eastern Massachusetts and Southern New Hampshire.

Consumer Loans - Personal Loans are available on a secured and unsecured basis. Secured loans include financing against marketable securities and the Prime + 0% Home Equity Line of Credit with no closing costs or annual fee.

Heritage Capital Management *

Portfolio Management - Heritage is a wholly-owned subsidiary of Wainwright Bank & Trust Company specializing in the management of equity, fixed income and balanced portfolios for individuals, families, trusts, corporations, endowments and retirement plans. The primary objective is to build your capital over the long term by providing conservative and customized investment management. Your portfolio is separately managed and tailored to reflect your individual needs.

Financial Planning - Consulting Services are provided to examine your financial planning needs and mutual fund investment goals.

Investment Products are not FDIC Insured. There is no Bank guarantee. These investments may gain or lose value.

Trillium Asset Management *

Portfolio Management - Wainwright Bank & Trust Company holds a 32% equity interest in Trillium (formerly Franklin Research & Development Corporation). Trillium is the oldest and largest investment management firm specializing solely in socially responsible investing for individuals and institutions. The Company differentiates itself from other investment firms by researching companies that emphasize positive social values and which employ pro-active policies in areas such as: the environment, employee relations, products/services, women and minorities, corporate citizenship, energy and international human rights.

Investment Products are not FDIC Insured. There is no Bank guarantee. These investments may gain or lose value.

For more information, please contact the Private Banking department at 617-478-4000, ext 349.

Contact Us Today!

The products offered by Heritage Capital Management and Trillium Asset Management are not insured by the FDIC, are not deposits or other obligations of Wainwright Bank, are not guaranteed by Wainwright Bank, and are subject to investment risks, including possible loss of the principal invested.