Special Offers

$300 Universal or Essential Checking + Ultimate Money Market Offer effective 8/9/2025. Bonus offer requires opening both a new Universal Checking or Essential Checking account and a new Ultimate Money Market account. Offer available to new customers only. $300 bonus requires a minimum $500 recurring automatic deposit of payroll or government benefits within 60 calendar days of account opening. Bonus will be credited to the checking account on the first statement cycle after the qualifying deposit is received. Bonus is a one-time reward and cannot be combined with other monetary offers. Both accounts must remain open and active for 180 calendar days or a $30 closing fee will apply to each account and $300 payback fee will be assessed at account closing. Universal Checking is an interest-bearing tiered rate account. Annual Percentage Yield (APY) accurate as of 8/9/2025: 0.05% on balances below $10,000; 0.10% on balances $10,000–$49,999.99; 0.15% on balances $50,000 or more. APY paid on entire balance. $100 minimum to open. $25 monthly fee if average daily balance falls below $1,000 (waived with $5,000 consolidated average daily balance across related accounts). The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Essential Checking requires $100 minimum to open. A monthly usage fee will apply unless one of the following is met each statement cycle: (1) 5 or more debit card purchases posted and settled (ATM transactions excluded), or (2) direct deposit of payroll or government benefits totaling $300 or more each statement cycle. Ultimate Money Market is an interest-bearing tiered rate account. APY accurate as of 8/9/2025 and fixed for 6 months: 1.72% on balances $0.00–$24,999.99; 2.10% on $25,000–$49,999.99; 2.77% on $50,000–$99,999.99; 2.90% on $100,000–$249,999.99; 3.02% on $250,000 or more. $5,000 minimum to open. $10 monthly fee if average daily balance falls below $5,000. After 6 months, APY adjusts to current market rates at www.wsbonline.com/deposit-rates. Fees may apply and could reduce earnings. Statement cycle may run from the 17th of the month to the 16th of the next month. Interest rates and APYs are subject to change at any time. For tax reporting purposes, a 1099 form may be issued at year-end. See Account Disclosure or contact a bank representative for details. Customer may enroll in a Program but is eligible for a single bonus only.