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Comparison Chart

Features CustomAdvantage
Classic NOW Checking Super NOW Checking CustomPlus
Relationship Checking
Review this comparison chart to find your best checking account option.
 Account Highlights Free Checking Account that refunds other bank’s ATM surcharges if requirements are met1 Free Checking Account with no minimum balance requirements For Students
Ages 16-22
Interest Bearing Account Earns a higher rate of interest for a higher minimum balance Use other bank accounts to waive minimum balance requirements
Winter Hill Bank ATM Transactions Free Free Free Free Free Free
ATM Transactions at
non-WHB Locations2
Free 1 $1.50 4 free per
statement cycle
$1.50 $1.50 8 free per statement cycle
Minimum Opening Balance $10 $10 $10 $100 $2000 $10
Instant Issue
ATM/Debit Cards
Free Free Free Free Free Free
Monthly Maintenance Fee when balance falls below minimum N/A N/A N/A $10 $10 $12
Daily Combined Minimum Balance Requirement N/A N/A N/A N/A N/A $2500
Eligible Relationship Accounts N/A N/A N/A  N/A N/A Statement Sav.,Passbook Savings & MMDAs3
Interest Bearing N/A N/A N/A Yes Yes N/A
Minimum Balance to Earn Interest N/A N/A N/A $10 $10 N/A
Additional Benefits Unlimited refund of other banks’ ATM fees if criteria are met1 N/A 1 Free WHB Specialty Check order annually N/A N/A 1st order of WHB Specialty Checks Free

In addition to the above, the following features are available on all accounts listed

Online Banking, Online Bill Pay, eStatements with online check images, Mobile Banking, Mobile Bill Pay, Mobile Deposit, Person to Person payments, Telephone Banking, Overdraft Protection, Checking Account Overdraft Line of Credit account holder must be 18 or older 4, and Checking Account Protection 5

1 Criteria for surcharge refunds: Monthly, receive a direct deposit of at least $200, pay 3 bills online, and receive eStatements.

2 The host bank or independent ATM owner may charge fees.

3 Federal Regulations permit up to 6 transfers or withdrawals by means of a preauthorized, automatic, or telephone transfer to another account of yours or to a third party by check, debit card or similar order to a third party during any statement cycle.

4 Checking Account Overdraft Line of Credit is subject to filing of an application and approval.

5 A signed Consumer Checking Account Protection Authorization Form must be completed and kept on file at the bank.

For additional conditions and fees relative to the above listed accounts please see our Truth in Savings Disclosure, Personal Deposit Account Agreement and Schedule of Fees (Fees are subject to change).

Winter Hill Bank is a member of the SUM Network which means that you can use your ATM or Debit Card wherever the SUM symbol is displayed and surcharges will not be charged to your account.