Wilber National Bank

Personal Checking Products

Wilber Bank has checking options designed to meet your individual needs. For questions about the checking accounts listed below call us at 607-432-1700 or 1-800-374-7980.

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.

Basic Checking

Disclosures | Fee Schedule

Do you have limited checking needs? Our Basic Checking account features one low fee per statement period for a limited number of written checks, deposits, ACH and ATM transactions. This non-interest bearing account requires no minimum balance.

Personal Checking

Disclosures | Fee Schedule

Enjoy unlimited check-writing with Wilber's Personal Checking account. This non-interest bearing checking account can be accessed with a Wilber ATM/Debit card. ChequeMate, our overdraft protection, is available with this account (subject to credit approval).

Avoid the monthly service fee with Link-n-Save or a recurring Direct Deposit. Or simply allow us to celebrate your 60+ years of age by waiving the monthly service fee!

Super Checking

Rates | Disclosures | Fee Schedule

Earn interest on your checking funds with Super Checking. This account, which includes unlimited check writing, can be accessed using a Wilber ATM/Debit card. Avoid the monthly service fee by becoming a Gold Club member.

Money Market Checking

Rates | Disclosures | Fee Schedule

Our Money Market Checking account offers a savings account concept, with the advantage of limited check writing. Receive a higher rater of interest than on our Super Checking account and enjoy access to this account with your Wilber ATM card. Transaction limitations exist.

Electronic Money Management Account (EMMA)

Rates | Disclosures | Fee Schedule

EMMA combines a competitive money market rate with checking account convenience. Access your money in person at any Wilber office, electronically with a Wilber ATM/Debit card, via Wilber�s Internet Banking or by writing a check. No monthly service fee.

Money Market Wealth Management Account

Rates | Disclosures | Fee Schedule

A money market account without checks, designed for customers who maintain a significant relationship with Wilber National Bank. Access your money in person at any Wilber office, electronically with a Wilber ATM/Debit card or via Wilber�s Internet Banking. No monthly service fee. Transaction limitations exist.