Rates Valid November 7, 2024 through November 13, 2024
Savings Accounts
| Account | Interest Rate | APY | Minimum Balance to Open and Obtain APY |
|---|---|---|---|
| Passbook Savings Account †* | 0.10% | 0.10% | $100.00 to open No minimum |
| Statement Savings † | 0.30% | 0.30% | $100.00 to open No minimum |
| Christmas Club | 2.50% | 2.50% | $1.00 to open |
| Health Savings Account | 0.35% | 0.35% | $100.00 to open |
Checking Accounts
| Account | Interest Rate | APY | Minimum Balance to Open and Obtain APY |
|---|---|---|---|
| Checking Plus Account † | 0.35% | 0.35% | $ 1,000.00 |
| Money Market (Hi-Fi) Account † | 0.50% | 0.50% | $ 1,000.00 |
Certificates of Deposit
| Account | Interest Rate | APY | Minimum Balance to Open and Obtain APY |
|---|---|---|---|
| 91 Day Certificate | 1.20% | 1.21% | $ 1,000.00 |
| 182 Day Certificate | 1.30% | 1.30% | $ 1,000.00 |
| 7 Month Certificate | 4.25% | 4.29% | $ 10,000.00 |
| 12 Month Certificate | 1.35% | 1.36% | $ 1,000.00 |
| 13 Month Certificate | 4.05% | 4.11% | $ 10,000.00 |
| 18 Month Certificate | 1.40% | 1.41% | $ 1,000.00 |
| 24 Month Certificate | 1.45% | 1.46% | $ 1,000.00 |
| 25 Month Certificate | 4.20% | 4.27% | $ 10,000.00 |
| 30 Month Certificate | 1.50% | 1.51% | $ 1,000.00 |
| 36 Month Certificate | 1.55% | 1.56% | $ 500.00 |
| 60 Month Certificate | 1.60% | 1.61% | $ 500.00 |
Individual Retirement Accounts
| Account | Interest Rate | APY | Minimum Balance to Open and Obtain APY |
|---|---|---|---|
| 12 Month Maturity IRA Variable Rate | 1.00% | 1.00% | $500.00 |
Fees may reduce earnings.
*New Passbook Savings accounts are no longer available.
**Substantial Penalty for early withdrawal on all certificates of deposit.
† The interest rate may change after this account is opened.
Bookkeeping Fees
| Overdraft Item Fee | $31.88 |
| Non-Sufficient Fund Item Fee | $31.88 |
| AOD Paid Item Fee | $31.88 |
| Stop Payment Fee | $25.00 |
| Special Statement | $2.50 |
| Special Statement with Images | $5.00 |
| Research & Account Balancing, per hour charge (minimum charge $19.00) | $19.00 |
| Xerox Copies | $ .30 |
| Photocopy of records from film, per check or statement page | $3.00 |
| Automatic Funds Transfer Fee | $3.67 |
| Fax per Page | $ 1.00 |
Wire Transfers
| Wire Transfer-In | $10.00 |
| Wire Transfer-Out (Domestic) | $25.00 |
Collections
| Incoming | $25.00 |
| Outgoing | $25.00 |
Teller Services
| Money Orders - $1,000.00 and under | $ 3.00 |
| Cashier Checks | $ 5.00 |
Internet Banking
| Personal Online Banking | No Cost |
| Personal Online Bill Pay | No Cost |
| Business Online Banking | $2.00 Per Month Per Account |
| Business Online Bill Payment | $5.95 Per Month for 12 bills, $0.40 for each additional bill |
| Online Cash Management | Contact Bank |
| Online Bill Payment Returned Payment Charge | $31.88 Per Item |
| Online Bill Payment Stop Payment | $25.00 Per Request |
If you are a Davis Trust Company customer, you can use your Davis Trust Company Visa Debit Card at Davis Trust Company owned ATM’s without incurring a surcharge.
| Visa Debit Card/ATM Fee Schedule | no |
|---|---|
| ATM's owned by Davis Trust Company | No Cost |
| ATM Regional Network Fees | no |
| Inquiry Fee | $ 1.00 |
| Transfer Fee | $ 1.00 |
| Debit Fee | $ 1.00 |
| ATM National Network Fees | |
|---|---|
| Inquiry Fee | $1.00 |
| Deposit Fee | $1.00 |
| Transfer Fee | $1.00 |
| Debit Fee | $1.00 |
Safe Deposit Box
| Size | Annual Fee (7% WV Sales Tax not included) |
|---|---|
| 2 x 5 x 22 | $10.00 |
| 3 x 5 x 22 | $12.50 |
| 4 x 5 x 22 | $16.50 |
| 5 x 5 x 22 | $22.00 |
| 3 x 10 x 22 | $30.00 |
| 5 x 10 x 22 | $35.00 |
| 7 x 10 x 22 | $47.00 |
| 10 x 10 x 22 | $62.00 |
Safe Deposit Box contents are not FDIC insured.
Fee for Lost Key – $25.00 + 7% WV Sales Tax
Fee for Drilling & Replacing Lock – $150.00 + 7% WV Sales Tax
Late Payment Fee (15 Days) – $5.00