Wilber National Bank

Business Checking Products

At Wilber National Bank, we know that a checking account is essential to the day-to-day operation of any business. We place a great deal of emphasis on and are highly responsive to the individual checking account needs of commercial and professional enterprises. Choose the account that�s best for your business.

Your Insured Deposits

The security of your deposits at Wilber National Bank is guaranteed by the Federal Deposit Insurance Corporation (FDIC). FDIC insurance covers all types of deposits, including deposits in checking, NOW and savings accounts, money market deposit accounts and time deposits such as certificates of deposit (CDs). The balance of each depositor�s account, dollar-for-dollar, are insured up to the insurance limit, including principal and any accrued interest through the date of the insured bank�s closing.

The basic insurance limit is $100,000 per depositor per insured bank. On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009. Deposits in separate branches of an insured bank are not separately insured. Deposits in one FDIC insured bank are insured separately from deposits in another insured bank.

The FDIC does not insure the money you invest in stocks, bonds, mutual funds, life insurance policies, annuities, or municipal securities, even if you bought these products from an insured bank. The FDIC does not insure U.S. Treasury bills, bonds, or notes. These are backed by the full faith and credit of the U.S. government. Read more about FDIC insurance online at www.fdic.gov/deposit or request a copy of the free FDIC brochure from any Wilber National Bank branch office.

Business Checking*
An account designed for business customers who write less than 50 checks per statement period. There�s no monthly statement fee and you pay a minimal per check fee for each check written. ChequeMate, our overdraft protection, is available with this account (subject to credit approval).

Business Checking Plus*
Designed for business customers who write a high volume of checks. Pay a flat statement fee (waived when minimum balance is maintained) and you can write 75 checks at no charge. ChequeMate, our overdraft protection, is available with this account (subject to credit approval).

*Both our Business Checking and Business Checking Plus accounts provide convenience and simplicity with the following features:

A generous no-charge allowance on deposited items per statement period, and a minimal charge per deposit thereafter.
An earnings credit based on a current Money Market rate.
No transaction fee for use of our Cash Management System Line of Credit that automatically pays itself down when you have excess available funds on deposit.
Free 24-hour access to your account with Wilber�s Electronic Banking Services. Use our Internet Banking service to look up account information, transfer funds between your Wilber accounts, order wire transfers or initiate ACH transactions. You can even pay your bills electronically with Wilber's Bill Pay.

Preferred Business Checking
This account, designed for high dollar balance business accounts, has no fee for deposits, deposited items or checks written. ChequeMate, our overdraft protection, is available with this account (subject to credit approval). Earnings credit based on a current Money Market rate.

Money Market Checking

Disclosures | Fee Schedule

This account provides a vehicle for saving, with the advantage of limited check writing. Receive tiered interest rates with preferred rates on balances of $100,000 or more.

N.O.W. Checking

Disclosures | Fee Schedule

This interest-bearing account, designed specifically for municipalities, not-for-profit organizations and sole proprietorships, is analyzed each statement period to determine the service fee. Earnings credit based on a current Money Market rate.

Super N.O.W. Checking

Disclosures | Fee Schedule

Municipalities, not-for-profit organizations and sole proprietorships receive tiered interest rates with preferred rates on balances of $100,000 or more. This account is analyzed each statement period to determine the service fee.