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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 average daily balance
  • Free ATM Card
  • Free Online Banking
  • 6 transfers per month allowed by telephone, computer, preauthorized or automatic payment
personal statement Variable $10 $2.50 $250 average daily balance
  • Free ATM Card
  • Free Online Banking
  • Monthly charges waived for customers under the age of 19 or 65 and over
  • 6 transfers per month allowed by telephone, computer, preauthorized or automatic payment
personal money market Variable

Basic rate paid if balance is $2,499.99 or less

Advantage rate paid if balance is more than $2,499.99
$2,500 $6 $2,500 average daily balance
  • Free ATM Card or Debit Card with an associated checking account
  • 6 transfers per month allowed by check, draft or similar order, telephone, computer, preauthorized or automatic payment
  • $10 for each check or transfer in excess of 6 per month
personal high yield money market

Variable

Basic rate paid if balance is $24,999.99 or less

Advantage rate paid if balance is more than $24,999.99 but less than $50,000.00

Preferred rate paid if balance is more than $49,999.99 but less than $250,000.00

Premium rate paid if balance is $250,000.00 or more

$25,000 $15 $25,000 average available balance
  • Free ATM Card or Debit Card with an associated checking account
  • 6 transfers per month allowed by check, draft or similar order, telephone, computer, preauthorized or automatic payment
  • $10 for each check or transfer in excess of 6 per month
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 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