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accounts   interest rate   minimum to open an account   normal monthly service charge   minimum to avoid a charge   other
personal basic Variable $10 $1 $10
  • Free ATM Card
  • Free Online Banking
personal statement Variable $10 $2.50 $250
  • Free ATM Card
  • Free Online Banking
  • Monthly charges waived for customers under the age of 19 or 65 and over
  • A maximum of 6 transfers or preauthorized payments allowed per statement period
personal money market Variable

Basic rate on balances under $2,500

Advantage rate on balances of $2,500 and up.
$2,500 $6 $2,500
  • Free ATM Card or Debit Card with an associated checking account
  • 6 withdrawals per statement period allowed by check (maximum 3), telephone, online, ATM, or by preauthorized payment
  • $10 per check for each check over 3 and each transfer over 6 per statement period
personal high yield money market

Variable

Basic rate paid on balances under $25,000

Advantage rate paid on balances $25,000 and over

Preferred rate paid on balances $50,000 and over

Premium rate paid on balances $250,000 and over

$25,000 $15 $25,000
  • Free ATM Card or Debit Card with an associated checking account
  • 6 withdrawals per statement period allowed by check (maximum 3), telephone, online, ATM, or by preauthorized payment
  • $10 per check for each check over 3 and each transfer over 6 per statement period
personal high yield money market

Variable

Basic rate paid on balances under $25,000

Advantage rate paid on balances $25,000 and over

$25,000 $15 $25,000
  • Account must be opened online at www.wainwrightbank.com
  • Free ATM Card or Debit Card with an associated checking account
  • 6 withdrawals per statement period allowed by check (maximum 3), telephone or online transfer, ATM, or preauthorized payment
  • $10 per check for each check over 3 or each transfer over 6 per statement period
Personal CDs Rates are fixed with term of certificate $1,000 N/A N/A
  • Terms of 30 days to 5 years
  • Interest compounded monthly and available for automatic transfer to checking or money market account
  • Penalty may be imposed for early withdrawal
  • Jumbo CDs are available in denominations over $100,000 for terms of 7 to 365 days
Personal CDs
Rate is fixed for 3 year term $1,000 N/A N/A
  • Each CD opened increases the available funds in a line of credit to Equal Exchange, a Fair Trade coffee, tea and chocolate merchant who provides over 30 farmer cooperatives in 16 countries with a fair price for their crops.
  • Interest compounded monthly and available for automatic transfer to checking or money market account
  • Penalty may be imposed for early withdrawal
  • For more information, visit http://www.equalexchange.com/eecd
  • To open an Equal Exchange CD email us or call 800-444-BANK (2265).
personal IRA savings   Variable   $10   N/A   N/A  
personal IRA CDs   Rates are fixed with term of certificate   $1,000   N/A   N/A  
  • Choose from a Traditional, Roth, Education or SIMPLE IRA
  • Jumbo CDs are available in denominations over $100,000 for terms of 7 to 364 days
 
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Wainwright: banking on Valuespersonal banking options
Equal Housing Lender and FDIC Insured
Wainwright Bank & Trust Company, 63 Franklin Street, Boston, MA 02110     Call 617-478-4000 or 1-888-428-BANK