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Accounts

Personal Accounts and Services

Kasasa Cash Checking


Choose free checking that pays you in high interest1 and refunds on your ATM fees.**

OPEN ACCOUNT

Now you can earn our highest interest rate on your free Kasasa Cash Checking account.  You also have the option of pairing your Kasasa Cash Checking account with our Kasasa Saver Savings account to earn even more.  The interest and ATM fee refunds earned on your Kasasa Cash Checking will automatically be transferred to your Kasasa Saver account at the end of each statement cycle. Both the Kasasa Cash Checking and the Kasasa Saver accounts are free accounts with no minimum balance qualifications or monthly service charges.

Earn Reward Rate
1.61% APY1

On your balance up to $15,000

PLUS ATM FEE REFUNDS NATIONWIDE!**


OR Base Rate
0.15% APY¹

If qualifications are not met


AND Reward Rate
0.15% APY¹

On your balance over $15,000

 

Reward rate, qualifications per cycle:

  1. Post and settle 10 Debit Card Purchases (Excluding ATM withdrawals and Returns)
  2. Post and settle one Direct Deposit or ACH auto debit
  3. Enroll and receive electronic statements

 

11.61% Annual Percentage Yield (APY) paid on daily balances between one penny and $15,000, and 0.15% APY paid on all amounts above $15,000 each qualification period the minimum qualifications are met. If you do not meet the qualifications per qualification period, your account will still function as a free checking account earning 0.15%APY; however, it will not receive ATM refunds for that time period. Annual Percentage Yields accurate as of June 12, 2020. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and settled by no later than the last business day before the 11th.

**ATM refunds up to $20 per statement cycle if qualifications are met. Any individual ATM fee of $5.00 or more must be brought into one of our offices to receive the refund at the end of the cycle after qualifications are met.

Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Subject to approval.

 

 

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Kasasa Cash Back Checking


Discover the free checking account that pays you for making purchases and refunds your ATM fees.**

OPEN ACCOUNT

Free checking account that pays 3% cash back on qualifying debit card purchases up to a total cash back of $6 monthly. You can choose to pair your Kasasa Cash Back Checking account with our Kasasa Saver savings account.

The cash back and ATM fee refunds earned on your Kasasa Cash Back Checking will automatically be deposited into your Kasasa Saver savings account on the last day of each statement cycle. Both the Kasasa Cash Back Checking and the Kasasa Saver savings accounts are free accounts with no minimum balance qualifications or monthly service charges.

 

EARN Cash Back
3% on everyday debit card purchases1

PLUS ATM Fee Refunds Nationwide!**

 

Kasasa Cash Back qualifications per cycle:

  1. Post and settle 10 Debit Card Purchases (Excluding ATM withdrawals and Returns)
  2. Post and settle one Direct Deposit or ACH auto debit
  3. Enroll and receive electronic statements

1 When monthly qualifications are met, you receive 3% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back of $6.00 per monthly qualification cycle (up to $200.00 in debit card purchases). Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. If qualifications are not met during the monthly qualification cycle, the account will still function as a free account. No minimum balance required.

**ATM refunds up to $20 per statement cycle if qualifications are met. Any individual ATM fee of $5.00 or more must be brought into one of our offices to receive the refund at the end of the cycle after qualifications are met.

Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Subject to approval.

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Kasasa Tunes Checking


Kick back, relax and earn refunds* to use at iTunes®, Amazon® & Google Play and get your ATM fees refunded.**

OPEN ACCOUNT

Earn refunds on iTunes®, Amazon® & Google Play purchases!

Want a FREE checking account that will give you up to $5 towards iTunes, Amazon & Google Play and refund up to $20 of ATM fees** each statement cycle? With Williamstown Bank’s Kasasa Tunes Checking, you can make banking more fun and practical! You will also receive $10 towards iTunes, Amazon & Google Play just for opening your account!

To Earn Your iTunes, Amazon or Google Play Refunds, just perform the following activity each qualification cycle:

  1. Post and settle 10 Debit Card Purchases (not including ATM withdrawals or returns)
  2. Receive your monthly statement electronically

 

* Earn iTunes, Amazon & Google Play refunds up to $10 (expires 60 days from account opening) with initial account opening regardless of qualifications. Earn up to $5.00 in iTunes, Amazon & Google Play refunds each cycle the minimum qualifications are met. Monthly credits of $5 expire after 30 days. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds or iTunes or Amazon or Google Play refunds for that time period. Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and settled by no later than the last business day before the 11th. No minimum balance required. Available to personal accounts only. iTunes, Amazon & Google Play purchases must be with your Visa Debit Card associated with your Kasasa Tunes account. iTunes is a trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. The program is not endorsed by Apple Inc., Amazon.com or Google Inc., nor is there any actual or implied joint venture, partnership, or relationship of any kind between Williamstown Bank and Apple’s iTunes, Amazon or Google Play.

** ATM fee refunds up to $20 per statement cycle when qualifications are met. Any individual ATM fee of $5.00 or more must be brought into one of our offices to receive the refund at the end of the cycle after qualifications are met.

Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Subject to approval.

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Kasasa Saver


Combine this savings account with a Kasasa Cash or Cash Back account and earn more savings.

OPEN ACCOUNT

EARN Reward Rate
0.71% APY2

On Savings balances up to $75,000


OR Base Rate
0.15% APY²

If qualifications are not met on Kasasa Cash w/Saver Checking


AND Reward Rate
0.15% APY²

On your Savings Balance over $75,000

 

² Annual Percentage Yield (APY) accurate as of June 12, 2020. Rate tiers are as follows: 0.71% APY on savings daily balances up to $75,000, and 0.15% APY on portion of savings daily balance over $75,000 each qualification cycle that qualifications are met. If qualifications are not met, full savings daily balances will earn 0.15% APY for the statement cycle. Rates are variable and can change at any time. Savings account inactivity fees may reduce earnings on savings account. Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and settled by no later than the last business day before the 11th. When a Kasasa Saver is linked to a Kasasa Cash or Cash Back Checking account the rewards earned in the Kasasa Cash or Cash Back Checking account is automatically transferred into the linked Kasasa Saver account at the end of the statement cycle and therefore does not remain in the Kasasa Cash or Cash Back Checking account. Savings account inactivity fees may reduce earnings on savings account. Having a Kasasa Cash or Cash Back Checking account is required in order to have a Kasasa Saver Account. Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Subject to approval.

 

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Statement Savings


There are many reasons why you may want to put money aside. Why not start saving today for yourself, your children, or your grandchildren?1, 2

OPEN ACCOUNT

  • NO Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Free Online Banking and Mobile Banking
  • Unlimited Number of Deposits and Withdrawals
  • ATM Card Transactions ONLY
  • $2 Per Month Service Charge if Daily Balance Drops Below $100
  • Electronic Statements available – statements produced twice a year in June and December

1 Subject to approval. 2 Some restrictions do apply. Fees may reduce earnings on account.

 

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Money Market Account


This account offers unlimited number of deposits and allows you to earn interest on your current balance.

OPEN ACCOUNT

Market rates plus convenient access to your funds.1, 2

  • $2,500 Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Free Online Banking and Mobile Banking
  • Unlimited Number of Deposits
  • Unlimited Teller Transactions
  • 3 Maximum Check Withdrawals per Statement Cycle
  • $10 Per Month Service Charge if Daily Balance Drops Below $2,500

1 Subject to approval. 2 Some restrictions do apply. Fees may reduce earnings on account.

 

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Interest Checking (Super Now Account)


Every penny helps.  Make your money work for you.  Interest Checking¹‚² allows you to earn interest on your current balance.  Monitor your finances through online and mobile banking at your convenience.

OPEN ACCOUNT

A valuable package of financial services plus interest.1, 2

  • $1,000 Minimum Deposit to Open
  • Ask Us about Our Current Rates
  • Free Visa® Debit Card
  • Free Online Banking, Mobile Banking, and Bill Pay
  • $10 Per Month Service Charge if Daily Balance Drops Below $1,000
  • Electronic Statements Available

1 Subject to approval. 2 Some restrictions do apply. Fees may reduce earnings on account.

 

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CDs & IRAs

Let us help you save for the future. Check out our CDs and IRAs.

If you are looking for a way to make your money work for you, then ask about our full line of Certificates of Deposits. We have many rate and term options from which to choose. Please have a valid photo ID with you when opening a CD.

Ask us about our IRAs!

 

* Rate Choice Certificate – Bump up once each 12 month period

The rate may change after the account is opened

Rates shown above effective 6/5/20

Fees may reduce earnings on the account

A penalty may be imposed for early withdrawal

** Annual Percentage Yield

These rates and annual percentage yields are accurate for the time period listed above.

Please call (304) 375-6262 or (304) 485-1717 for current rate information.