Consumer Accounts

Co-operative Checking Account

The Co-operative Checking Account is our full-service checking account which allows you to earn interest on your funds while they are accessible by check, ATM, Debit Card or Online Banking. Basic features include:

• $1.00 Minimum Balance to open Account
• Access you accounts 24 hours a day 7 days a week at www.wcbonline.com or call 877-922-2265
• Online bill paying - FREE
• No surcharges at our WCB ATMs or at any other SUM™ or MoneyPass® ATMs
• For contactless payments add your Co-operative Checking Account to your Digital Wallet
• Monthly statements or eDocuments
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Co-operative Select Savings Account

Maximize your savings with our Co-operative Select Savings Account. This account combines the benefit of high yield interest rates and the flexibility to grow your savings with confidence. Basic features include:

• $1.00 Minimum Balance to open Account
• $2,500 Minimum Balance to earn Tier 2 annual percentage yield (APY) see rate page
• $1,000.00 minimum balance to avoid service charge
• $12.00 maintenance service charge fee if you go below the $1,000.00 minimum
• Access your account 24 hours a day 7 days a week at www.wcbonline.com or 877-922-2265
• No surcharges at our WCB ATMs or at any other SUM™ or MoneyPass® ATMs
• Monthly Statements or eStatements
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield

Statement Savings Account

Our Statement Savings Account offers a convenient and accessible way to save and offers account access through our convenient ATMs or Online Banking products. Basic features include:

• $1.00 Minimum Balance to open Account
• Access your accounts 24 hours a day 7 days a week at www.wcbonline.com or call 877-922-2265
• No surcharges at our WCB ATMs or at any other SUM™ or MoneyPass® ATMs
• Monthly Statements or eDocuments
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Money Market Deposit Account

The WCB Money Market Deposit Account offers check writing capabilities for those savers looking to earn competitive money market rates on their deposit balances. Click here to find our current Money Market Deposit Account rate. Basic features include:

• $1.00 Minimum Balance to open Account
• Access you accounts 24 hours a day 7 days a week at www.wcbonline.com or call 877-922-2265
• Monthly Statements or eDocuments
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Term Deposit Certificates (TDC)

Our Term Deposit Certificates generally offer our highest interest rates if you have the flexibility to keep your funds on deposit for the term of the certificate. Please allow one of our Deposit Specialists to assist you in determining the term and interest rate which will assist you in meeting your savings goals. Basic features include:

• $500 Minimum Deposit to Open Account
• Terms from 91 days through 36 months are available
• Penalties may apply for early withdrawal
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Traditional / Roth IRA Term Deposit Certificates (TDC)

WCB can help meet your retirement savings and planning needs with one of our cost-effective term deposit certificates. Whether you are looking to start a new IRA, Roth IRA or are looking to Transfer or Roll-Over your retirement funds from another plan we can provide a safe, Service Charge-free means to grow your retirement nest egg. Basic features include:

• $1.00 Minimum Balance to open Account
• 12, 18, 24, 30, and 36 month TDC available
• Allowed to make weekly, monthly or annual deposits
• No Service Fee on any of our IRA Plan Accounts
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Club Savings Account

If your savings needs include planning for a particular event such as holiday shopping or that long-anticipated vacation, let one of our Deposit Specialists assist you in setting up a club account. Basic features include:

• $1.00 Minimum Balance to open Account
• Statement account
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.

Member Massachusetts Basic Banking

*All deposits are insured in FULL with the combined coverage of the FDIC and the Depositors Insurance Fund.

Click here for current Schedule of Fees. If you are unable to access this PDF form, please come into the bank and speak with one of our Deposit Specialists, or call us at 781-729-3620.