Geo D. Warthen Bank > Products & Services

FREE Online Banking / Billpay
6 free withdrawals per month ($5.00 fee for each excessive withdrawal per month).
Interest will be compounded daily and credited to your account monthly.
Interest rates may change periodically without notice.
$5.00 monthly service charge if balance falls below $100.00 any day of the month.
If you close your account before interest is credited, you will receive the accrued interest.
Interest begins to accrue on the business day that you deposit non cash items.
Minimum balance to open account $100.00

FREE Online Banking / Billpay
Account holders required to have a joint owner on account (i.e. parent, grandparent, guardian)
No service charge
Account automatically converted to a T-Cash Savings account upon the account holder's 13th birthday
Interest begins to accrue on the business day that you deposit non cash items.
Children 0-12 years old
$10.00 minimum to open account

Must have a Reward Checking-REALSaver checking account in order to have a REALSaver savings account
$100.00 minimum to open account
Free from any service charges
Interest begins to accrue on the business day that you deposit non cash items
Qualifications needed for REALSaver interest rate/APY: You must meet the qualifications for Reward Checking-REALSaver
If Qualifications are met:
- 0.50% Interest Rate/ 0.50% Annual Percentage Yield on the first $5,000.00 (effective as of 06/14/2014)
- 0.25%Interest Rate/ 0.25% Annual Percentage Yield for any balance in excess of $5,000.00 (effective 06/14/2014)
If Qualifications are not met:
- A base rate (default rate) of .05% Interest Rate/ .05% Annual Percentage Yield will apply to the entire balance