Williamstown National Bank
Electronic Statement Retrieval
checking & savings
Free Rewards Checking Products

Rewards & Realsaver



EARN Reward RateAND Reward Rate
2.01% APY*0.25% APY*
On your balance up to $25,000On your balance over $25,000



PLUS ATM Fee Refunds Nationwide!**


OR Base RateReward rate, qualifications per cycle:
1) Post and clear 10 Debit Card Transactions (Excluding ATM transactions)
2) Post and clear one Direct Deposit or ACH auto debit
3) Enroll and receive electronic statements
0.25%APY *
If qualifications are not met

*2.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 0.25%APY paid on all amounts above $25,000 each qualification period the minimum requirements are met. If you do not meet the requirements per qualification period, your account will still function as a free checking account earning 0.25%APY; however, it will not receive ATM refunds for that time period. Annual Percentage Yields accurate as of January 12, 2013. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. Available to personal accounts only. No monthly service charge. Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and cleared by no later than the last business day before the 11th.
**ATM refunds up to $20 per statement period if requirements are met.





CLICK HERE TO APPLY NOW!



REALSAVER SAVINGS
EARN Reward RateAND Reward Rate
0.76% APY*0.25% APY*
On your Savings balance up to $50,000On Savings Balance over $50,000



PLUS ATM Fee Refunds Nationwide!**
Williamstown Bank’s RealSaver savings account works with your Rewards Checking account to help you save. The interest and ATM fee refunds earned on your Rewards Checking will automatically be transferred to your RealSaver account at the end of each statement cycle. Both the Rewards Checking and the RealSaver accounts are free accounts with no minimum balance requirements or monthly service charges.



*Annual Percentage Yield (APY) accurate as of January 12, 2013. Minimum to open account is $100. Rate tiers are as follows: 2.01% APY on checking balances up to $25,000, 0.25% APY will be paid on balances over $25,000, and 0.76% APY on savings balances up to $50,000 and 0.25% APY on savings balances over $50,000 each qualification cycle that qualifications are met. If qualifications are not met, full checking balance will receive .25% APY and full savings balances will earn .25% APY for the statement cycle. Rates are variable and can change at any time. Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.). Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and cleared by no later than the last business day before the 11th. The Annual Percentage Yield (APY) disclosed on the Rewards RealSaver Checking account assumes that interest earned in Rewards RealSaver Checking compounds. However, by choosing to have RealSaver Savings linked to Rewards RealSaver Checking, you understand that the interest earned in your Rewards RealSaver Checking account is automatically transferred into your RealSaver account at the end of the statement cycle and therefore does not remain in your Rewards RealSaver Checking account and does not compound. Additionally, you understand that the interest amount earned in the RealSaver Savings account may be less than the interest amount earned in the Rewards RealSaver Checking account.
**ATM refunds up to $20 per statement cycle if qualifications are met.




REWARDS CHECKING FREQUENTLY ASKED QUESTIONS

Click on the question below to see the answer.





What are the "rewards" for Rewards Checking?
If requirements are met for the qualification period, then the customer will earn an Annual Percentage Yield (APY) of 2.01% on their balances up to $25,000.00 and on the portion of their balance over $25,000.00, they will earn an APY of 0.25%. The customer will also be refunded any foreign ATM surcharge fees up to $20.00 per statement period. Back to top



What are the requirements that must be met to qualify for the rewards?

All three of the following qualifications must be met during the qualification period to qualify for the rewards:

1) Post and clear at least 10 Debit card transactions (not including ATM withdrawals or returns on card)

2) Post and clear at least one direct deposit or automatic debit (Online bill payments can
count towards this requirement)

3) Receive monthly statements electronically (Customer will have to provide
valid email address at account opening).
Back to top



Do I have to come to the bank to open a Rewards Checking account?

No! You can apply for your Rewards Checking account by clicking on the above link. After we receive your application, a Customer Service Representative will call to confirm your application and the account will be opened upon verification of identity. Back to top



How often must the requirements be met to qualify for the rewards?

The requirements must be met each qualification period to receive the rewards for that statement period. To ensure you qualify for the rewards, all needed transactions (Debit card, etc.) should be posted and cleared to the account a few days before the statement cycle cuts off. If the 11th falls on a holiday or weekend, all transactions need to be posted and cleared by no later than the last business day before the 11th. (Example: if the 11th falls on a Monday, all transactions need to be posted and cleared by Friday the 8th.) Back to top



What happens if I do not meet the requirements for Rewards Checking?

The account will still operate as a free checking account, and the entire balance will receive an APY of .25% if the requirements are not met. Also, no ATM refunds will be given if the requirements are not met. There are no monthly or minimum balance charges on this account! Back to top



What happens if I have transactions that post and clear on the 11th of the month or on the last day of the statement cycle?

All transactions need to be posted and cleared by no later than the business day before the last day of the statement cycle. The statement cycle ends on the 11th of the month, if the 11th falls on a weekend or holiday the statement will cut off the following business day. In a normal cycle where the 11th falls on a business day, transactions must be posted and cleared by the 10th. If the 11th is on a holiday or weekend, all transactions need to be posted and cleared by the last business day (weekday) before the 11th. If you are only doing the minimum transactions needed to qualify and your last transactions post and clear on the 11th, we do not pay the rewards. Any transactions that post and clear on the 11th (or day the statement cycle ends) will count towards the next month’s qualifications. Back to top



Is this just a "teaser" rate?

No. While the interest rate can change on this account, the account is designed to pay a high APY to those who meet the requirements. Back to top



How is the interest calculated?

Interest is calculated using the daily balance method, which applies a daily periodic rate to the principal in the account each day. Back to top



How does the tiered interest rate for Rewards Checking work?

If the requirements are met, the full balance up to $25,000 will receive the APY of 2.01% and any portion of the balance over $25,000 will receive a 0.25% APY. The interest will be paid in a lump sum at the end of the statement cycle. Back to top



If I meet the requirements, when will I receive my rewards?

Your rewards will be credited to your account on the last day of the statement cycle, this includes your interest and any ATM surcharge fee refunds. Back to top



How will I know that I have qualified for my rewards at the end of the statement cycle?

A notification email will be sent at the end of the statement period that will tell you if you met the requirements and what you need to do to meet the requirements if they were not met that qualification cycle. Back to top



What if my new Debit card doesn’t arrive until late in the statement cycle and I don’t have time to earn my rewards…will I still get them?

As a thank you for choosing Rewards Checking, you will receive your Rewards for the first statement period whether or not you meet the requirements for that qualification period. Back to top



Is there a fee to use my debit card?

There is NO fee to use your debit card to make purchases. Some banks may charge a surcharge fee if you withdraw money from their ATM machine, but if you meet the requirements, you will receive a refund for those fees up to $20 per statement cycle. Back to top



Do I receive images or checks back with my Rewards Checking account?

You will receive check images back with your statement, you just access it online, rather than receiving it in the mail. Back to top



Can I have a Rewards Checking account if I don’t own a computer?

Absolutely! You only need to have a valid email address in order for us to send your statement notifications, but you can pull the statement from wherever you have internet access. Back to top


Is there a minimum balance requirement in order to receive my rewards?

There is NO minimum balance required for this account, and there is NO minimum balance needed to open the account. Back to top


Can this be used as a business or DBA account?

No, Rewards Checking is for personal accounts only. Back to top



Is there a limit on the number or kind of transactions you can do on a Rewards Checking account?

There is no limit on the transactions you can do on your Rewards Checking account. Back to top



Will I be able to use my existing Debit card, checks, and account number with my Rewards Checking account?

Yes, if you currently have a checking account with Williamstown Bank, your account number, debit card, and checks will not change when you switch to Rewards Checking. Back to top



RealTunes Checking



EARN FREE iTunes DOWNLOADS!

Want a FREE checking account that will give you up to $5 of FREE* iTunes downloads and refund up to $20 of ATM fees** each statement cycle? With Williamstown Bank’s RealTunes Checking, you can make banking more fun and practical! You will also receive a $10 iTunes Credit* just for opening your account!



To Earn Your iTunes Downloads Refunds, just perform the following activity each qualification cycle:

1) Post and clear 10 Debit Card Purchases (not including ATM withdrawals)

2) Receive your monthly statement electronically





Earn iTunes download refunds up to $10 (expires 60 days from account opening) with initial account opening regardless of qualifications. Earn up to $5.00 in iTunes download refunds each qualification cycle the minimum qualifications are met. Monthly credits of $5 expire after 30 days. If you do not meet the qualifications per cycle, your account will still function as a free checking account; however, it will not receive ATM refunds or iTunes refunds for that time period. Statement cycle ends on the 11th of the month. If the 11th falls on a holiday or weekend, the statement cycle will end on the first business day after the 11th. The qualification cycle begins on the 11th or the last day of the current statement cycle and ends on the last business day before the 11th. All qualifying transactions must be posted and cleared by no later than the last business day before the 11th. No minimum balance required. Available to personal accounts only. iTunes must be purchased with your Visa Debit Card associated with your RealTunes account. iTunes is a trademark of Apple, Inc. The program is not endorsed by iTunes or Apple nor is there any actual or implied joint venture, partnership, or relationship of any kind between Williamstown Bank and Apple’s iTunes. **ATM fee refunds up to $20 per statement cycle when qualifications are met.



CLICK HERE TO APPLY NOW!




Is there a Service Charge for a RealTunes Checking Account?

There is never a service charge for a RealTunes Checking account. It is a free account. Back to top



What are the "Rewards" for RealTunes Checking?

A monthly iTunes Credit up to $5.00 per statement cycle to be used for iTunes downloads and ATM refunds up to $20 each qualification cycle the qualifications are met. iTunes purchases must be posted and cleared to your account by the last business day before the statement ends in order to be reimbursed for purchases made during that cycle. Back to top




What do I have to do to get the rewards?

You only have to post and clear 10 Debit Card purchases (not including ATM withdrawals) and receive your monthly statement electronically to earn your rewards. Debit card transactions must be posted and cleared to your account by no later than the business day before the end of the statement cycle. Back to top



Is there an iTunes Signup Bonus?

Yes, an iTunes Signup Bonus of $10.00 is awarded upon opening the account or switching from another checking account. Back to top



Do iTunes credits expire?

Yes, monthly iTunes credits earned each statement cycle must be used in the next cycle. The iTunes Signup Bonus expires after 60 days. Back to top



How do I make my iTunes purchases?

You must use your RealTunes Checking debit card to purchase your downloads online at the iTunes Store. Reimbursements will be credited to your RealTunes Checking account on the last day of your statement cycle if you have available credits. Back to top



How often must the qualifications be met to qualify for the rewards?

The qualifications must be met each qualification cycle to receive your monthly rewards. The qualification cycle begins on the last day of the current statement cycle and ends on the last business day before the statement cuts off. Back to top



What happens if the qualifications for RealTunes Checking are not met?

If you do not meet the qualifications, your ATM fees will not be refunded and no monthly iTunes credits are earned for that statement cycle. However, your RealTunes Checking account will still function as a free checking account. Back to top



When does the statement cycle end?

The statement cycle ends on the 11th of the month. Should the 11th fall on a weekend or holiday, the statement will end on the first business day after the 11th. In order to receive your rewards, all debit card transactions must be posted and cleared by the last business day before the end of the cycle. For example: if the 11th falls on a Monday, all transactions need to be posted and cleared by Friday the 8th (since Saturday and Sundays are not business days). Any transactions posted and cleared to your account on the 11th (or last day of the statement cycle) will be counted towards your next month’s qualifications. Back to top



If I meet the qualifications, when will I receive my rewards?

Monthly iTunes credits earned in the current statement cycle will be reimbursed at the end of the following statement cycle for purchases made with your RealTunes Checking debit card online up to the dollar amount earned and not expired. ATM fees will be refunded on the last day of each statement cycle in which qualifications are met. Back to top



If I use another financial institution’s ATM and pay a fee, when will I get my refund?

If qualifications are met, the ATM fees will be refunded at the end of the statement cycle in which the ATM fees were charged. Back to top



How will I know that I have qualified for my rewards at the end of the statement cycle?

An email will be sent letting you know if you qualified for the rewards. An email will also be sent letting you know if you did not qualify for the rewards and why. Back to top



If I use my RealTunes Checking debit card at an ATM, will that transaction count toward my qualifications?

No, the required RealTunes Checking debit card transactions must be a purchase with a merchant (point of sale) to count toward the qualifications. Back to top



Is there a minimum balance requirement in order to receive my rewards?

There is no minimum balance requirement in order to receive your rewards. Back to top



What is the minimum opening deposit for a RealTunes Checking account?

The minimum needed to open an account is $100. Back to top




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Williamstown Office
435 Highland Avenue
Williamstown, WV 26187
Phone (304) 375-6262
Fax (304) 375-6274
Parkersburg Office
3002 E. Seventh St.
Parkersburg, WV 26101
Phone (304) 485-1717
Fax (304) 485-1711