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WNB Financial

Account Logins

Fee Schedule

Limits and Fees

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:

Effective Date - March 12, 2024

Zero Balance Sweep per month


Account Research/Reconciliation per hour ($25 minimum charge)


ACH Origination Setup/Modification Fee


ATM/Debit Card Replacement


Bank Bag


Chargeback Fee per Presentment (deposited item returned)


Close Account Within 6 Months (Checking/Savings)




Debit Card Transaction Limits

$2,500 Point of Sale (POS)

$510 at ATM

Debit Card International Transactions

1% per transaction fee imposed by Visa regardless of currency conversion

Digital Cash Management Monthly Fee


Dormant Account Fee per Month **
for balances under $50.00 after 24 months of inactivity


Duplicate Statement


International Check in Collection


Returned Foreign Check Handling Fee


Levy, Garnishment, Legal Process


Night Deposit Service (includes 2 lockable bank bags and keys)

- Additional Lockable Bank Bag

- Additional Bank Bag Key




Overdraft Line of Credit Fee


Overdraft Fee per Presentment*

- Paid Item Fee*

- Returned Item Fee*

- Continuing Overdraft Fee* (beginning on 3rd business day overdrawn)



$3.00 per day

Pre-paid Visa Gift Card


Positive Pay per month


Signature Guarantee


Stop Payment


Wire Transfers (Incoming)


Wire Transfers (Outgoing Domestic)


Wire Transfers (Outgoing International)



Fees are subject to change.

*An overdraft fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Maximum daily overdraft fee limit of $248.00, including all combined Overdraft Fees per Presentment, Paid Item Fees, and Returned Item Fees. The same item can be presented more than once. Overdraft fees do not apply to other accounts identified in Truth in Savings disclosures or elsewhere where you specify you want all insufficient items returned to the extent operationally possible.

**Dormant Fees do not apply to Health Savings Accounts (HSAs).