Personal Checking Accounts

Personal Checking

Whitaker Bank understands the importance of your time and money. That’s why we offer a wide variety of convenient personal checking solutions to fit every lifestyle.

All of our Personal Checking Accounts include these convenient features:

24-hour online banking with WeB, WBC App for iOS/Android
24-hour Telephone Banking
Bill Pay
Text Banking
Convenient eStatements
Phone Smart
Fraud Alerts
Unlimited Debit Card and WBC ATM transactions
Only $100 to open

Whitaker Round Up

Whitaker Round Up is an easy way to make everyday purchases part of your savings plan!
1) Enroll
First, enroll your Whitaker Bank checking account.
2) Purchase
Next, use your Whitaker Bank Visa® debit card for everyday purchases. Spend like you normally would.
3) Watch your savings grow
We will round up your purchases to the nearest dollar amount and transfer the change from your checking account to your designated account.
Example: You use your debit card to purchase a toaster for $22.42. When the transaction posts to your account, Whitaker Bank will automatically transfer the Round Up amount of $0.58 from your checking account to your designated account. ($0.58 is the difference between the Round Up of $23.00 and the transaction of $22.42)

Whitaker Round Down

Whitaker Round Down Balance Transfer is an easy way to maximize your savings plan!
1) Enroll
First, enroll your Whitaker Bank checking account.
2) Watch your savings grow
We will transfer the difference between the daily ending balance on the account and round down to the next whole dollar amount.
Example: Your account ending balance is $22.42. Whitaker Bank automatically transfers $0.42 from your checking account to your designated account. ($0.42 is the difference between your account balance of $22.42 and the next whole dollar amount of $22.00)

Whitaker Perks Checking

Interest-bearing account if a balance of $1,000 is maintained
Unlimited check writing
Check Smart or eStatements Provided
Two orders of Whitaker Exclusive Checks per year
3 cashier’s checks per month
$10,000 Accidental Death & Dismemberment Insurance
Identity Theft Protection Included
$5 discount on safe deposit box rental
Travel discounts and rebates
Cashback rewards and gift card savings
Discounted dental and vision care
Savings on movies, theme parks, event tickets, groceries and more
Local discounts with Whitaker Perks Business Partners
Flat monthly fee - $7.50

Once you have a Whitaker Perks Checking Account with us, you can visit the Whitaker Perks website at www.whitakerperks.com to log into your account or to enroll. You must have an open Whitaker Perks Checking Account in order to complete enrollment or to access your account. You can also access many of your Perks by telephone! Whether you're looking to purchase a gift card, have a question about your Identity Theft Protection or need help planning a vacation, simply call Whitaker Perks at 1-877-667-0964 and a representative will be happy to assist you!
Benefits Whitaker Perks Welcome Booklet

Whitaker Perks Business Partners

Whitaker Premium Checking

Interest bearing if a $1,000 balance is maintained
No monthly maintenance fee if a $1,000 balance is maintained ($10 fee applies if balance falls below required minimum)
Unlimited check writing
Check Smart or eStatements Included

Senior Advantage Checking

For the customer who is age 55 or better
No maintenance fee if a $100 balance is maintained ($5 fee applies if balance falls below required minimum)
Interest bearing account if a $5,000 balance is maintained
Two orders of Whitaker Exclusive Checks per year
Unlimited check writing
3 Cashier's Checks per month Included
Check Smart or eStatements Included

Blue / Gold Checking

No monthly maintenance fee if a $500 balance is maintained ($6 fee applies if balance falls below required minimum)
Unlimited check writing
Check Smart or eStatements Included

Economy Checking

Monthly maintenance fee only $3
No minimum balance
Check Smart Included
15 checks per monthly statement ($.25 per check in excess of 15)

Whitaker FREE Checking

No monthly maintenance fee
No minimum balance
eStatements provided
No direct deposit requirements
Unlimited check writing
Initial variety pack of 40 checks included

Product Pairing Matrix

Product	This account best fits you if…	Monthly Service Fee	Check Writing	Top Features
Whitaker Perks Checking	You wish to earn interest You appreciate convenient services and value for your dollar You want a package of discounted benefits	$7.50/month	Unlimited	Identity theft protection $10,000 Accidental Death & Dismemberment Insurance Cash back on hotels, airfare, car rentals & cruises Deeply discounted restaurant certificates
Whitaker Premium Checking	You maintain a balance of $1,000 or greater You wish to earn interest	$0 with a minimum balance of $1,000 $10/month if balance falls below $1,000	Unlimited	Interest-bearing account with a minimum balance of $1,000 Unlimited ATM and Debit Card transactions
Senior Advantage Checking	You are 55 or better You wish to earn interest	$0 with a minimum balance of $100 $5/month if balance falls below $100	Unlimited	Interest-bearing account with a minimum balance of $5,000 Annual box of bank stock checks Unlimited ATM and Debit Card transactions
Blue/Gold Checking	You maintain a balance of $500 You write many checks	$0 with a minimum balance of $500 $6/month if balance falls below $500	Unlimited	Unlimited ATM and Debit Card transactions No fee if $500 balance is maintained
Economy Checking	You keep low balances You write 15 or fewer checks each month	$3/month	Up to 15 checks per month $0.25 per additional check in excess of 15	Unlimited ATM and Debit Card transactions
Whitaker Free Checking	You keep low balances You write many checks You prefer electronic banking	$0	Unlimited	Check images provided with eStatements Unlimited ATM and Debit Card transactions

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