Banking Services

- Bank by Mail
- Canadian Drafts
- Cash Machines
- Cashier’s Checks
- Contract Collections
- Direct Deposit
- Electronic Federal Tax Payment System (EFTPS)
- Letters of Credit
- Money Orders
- Night Transfers
- Notary Services
- On Line Banking
- Safe Deposit Boxes
- Savings Bonds
- Telephone Transfers
- Travelers Checks
- Wire Transfers
Overdraft Protection

Ready Reserve

- This is an unsecured line of credit used in conjunction with a
    Whidbey Island Bank checking account
- Available to customers with qualifying credit
- Annual fee: None
- Advances are made in $100 increments when you overdraw
    your checking account or ask for an advance in person at any
    branch
- Interest rate: Prime +6.0% adjusted monthly- Repayment
    terms: Monthlypayments are automatically deducted from the
    checking account on the statement cycle date. The amount
    deducted is 5.0% of the outstanding balance or $10.00 –
    whichever is greater – plus advance fees, late charges, and
    amount in excess of established credit limit.

Sweep Accounts

- If you overdraw your checking account, a transfer will be
    made from one of your other accounts.
- There is a fee of $10.00 per use of this service.
- If your designated account is a savings or
    IMM checking account, there is a 6-transfers-per-month
    limit.