Minimum Opening Deposit
A $25.00 deposit is required to open this account.
Monthly Service Fee
Annual Percentage Yield (APY)
The account earns 0.05% interest
Debit Cards & Using ATMs
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all MoneyPass Network ATM locations.
Non-affiliated ATM Usage Fee
International ATM Usage Fee
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, pay bills, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills.
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0;- Reminders that bills are coming due for payment;- An email to let you know there's a secure message for you in Online Banking.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Basic Checks are free, Premium style checks available at a discount
Monthly Paper Statements
Check Images with Statements
Online Check Images
Images of canceled checks can be viewed online for 18 months.
Overdrawing the Account
Negative Balance Fee
There is a $5.00 fee for a negative balance after 8 calendar days with less than a $0.00 balance. After that, this fee is assessed every 8 days with a negative balance.
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- No Transfer fee;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Annual fee of $50.00;- No Transfer fee;- Funds are transferred to bring the account balance to $0.00.
About Wayne Bank
From their website: "Wayne Bank, founded in 1871, takes pride in still having the friendly personal touch that has been their hallmark since they began as a simple storefront operation. Wayne bank is based in Honesdale, PA and has 11 branches in Northeastern Pennsylvania. They offer a full range of consumer and business services including free checking accounts, savings products, consumer loans, small business and commercial loans, as well as, Trust and Wealth Management services. With their longevity and being well capitalized, their customers know they can 'Bank with Confidence'. Wayne Bank, Member FDIC, Equal Housing Lender.