Woodward

Checking

Kasasa Cash


 

Free Checking That Pays You up to 2.51% APY* You Deserve (In Cash)

Kasasa Cash is a free high-interest checking account that puts up to 2.51% APY* right in your pocket. After all, it's your cash so you should benefit the most from it. No short-term. Just you getting the most for your money, every month. Do you Kasasa?

Apply Here

Kasasa Cash is perfect for you if you want:

  • Free checking that gives you extra cash each month
  • No minimum balance to earn rewards
  • **Nationwide ATM fee refunds
  • Free online banking

To get up to 2.51% APY* do the following each month:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive an e-statement
  • Be enrolled and log into online banking.

If you miss a month, don't worry!
You will still enjoy free checking and there's no penalty for not qualifying in a given month. Plus you get a base 0.03% APY* and you get right back to making up to 2.51% APY* and enjoying ATM refunds the next month you qualify.
*APY=Annual Percentage Yield. See below for full details.

 

*APY=Annual Percentage Yield. APYs accurate as of 06/03/2013. Rates may change after account is opened. Minimum to open is $100. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.51%; and (3) balances over $10,000 earn 0.20% interest rate on portion of balance over $10,000, resulting in 2.51% - 0.20% APY depending on the balance. If qualifications are not met, all balances earn 0.03% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

 

 

 

GPNB Free

 

Minimum balance to open $100.00
Minimum balance to avoid a service charge None
Monthly transaction fee for checks written None
Amount of “GPNB Overdraft Privilege” overdraft limit $700.00
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day $4.00 per day
Interest paid None

 


Upon approved application, overdraft privileges and a free check card may be granted on an account. Some restrictions may apply. The decision to grant overdraft limits and a check card will be made by management, and if approved, the customer will be notified of their overdraft limit. If the account is overdrawn for more than 30 days after approved application, the account may be closed and the balance sent for collection. The sequence of transaction processing may affect overdraft occurences, please your review your overdraft agreement for details.

The Customer will be responsible for purchasing his or her own checks.

Management reserves the right to make changes to this account at their discretion.

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GPNB Silver (Age 50+)

 

Minimum balance to open $100.00
Minimum balance to avoid a service charge None
Monthly transaction fee for checks written None
Amount of “GPNB Overdraft Privilege” overdraft limit $700.00
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day $4.00 per day

 


Free safety paper checks.

Must be 50 years old or older to be eligible for this account.

Interest will be compounded on a monthly basis.

Interest is forfeited if the average ledger balance falls below $1,000.00 during the statement cycle.

Interest begins to accrue on the first business day you make your deposit and will be credited to this account on a monthly basis. If you close your account before interest is credited, you will not receive the accrued interest.

The average daily balance method is used to calculate interest on your account. This calculation is achieved by taking the sum of the ledger balance (positive or negative) in the account for each day of the period divided by the number of days in the period

Upon approved application, “GPNB Overdraft Privilege” overdraft privileges and check card may be granted on an account. Some restrictions may apply. The decision to grant overdraft limits and a check card will be made by management, and if approved, the customer will be notified of their overdraft limit.

If the account is overdrawn for more than 30 Days after approved application, the account may be closed and the balance sent for collection. The sequence of transaction processing may affect overdraft occurences, please your review your overdraft agreement for details.

Management reserves the right to change at any time and at its sole discretion the interest rate, the annual percentage yield, and the compounding frequency on this account. As a general rule, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

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GPNB Super Now

 

Minimum balance to open $1,000.00
Minimum balance to avoid a service charge $1,000.00
Monthly transaction fee for checks written $0.00
Monthly maintenance fee  
   Above $1000 $0.00
   Below $1000 any day of the month $15.00
Amount of “GPNB Overdraft Privilege” overdraft limit $700.00
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day  $4.00 per day

 


Interest will be compounded on a monthly basis.

Interest is forfeited if the average ledger balance falls below $1,000.00 during the statement cycle.

Interest begins to accrue on the business day you make your deposit and will be credited to this account on a monthly basis. If you close your account before interest is credited, you will not receive the accrued interest.

The average daily balance method is used to calculate interest on your account. This calculation is achieved by taking the sum of the ledger balance (positive or negative) in the account for each day of the period divided by the number of days in the period.

Upon approved application, “GPNB Overdraft Privilege” overdraft privileges and check card may be granted on an account. Some restrictions may apply. The decision to grant an overdraft limit and a check card will be made by management and if approved the customer will be notified of their personal overdraft limit. If the account is overdrawn for more than 30 days after approved application, the account may be closed and the balance sent for collection. The sequence of transaction processing may affect overdraft occurences, please your review your overdraft agreement for details.

Management reserves the right to change at any time and at its sole discretion the interest rate, the annual percentage yield, and the compounding frequency on this account. As a general rule, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

The customer will be responsible for purchasing his or her own checks.

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GPNB Money Market

 

Minimum balance to open $1,000.00
Minimum balance to avoid a service charge $1,000.00
Monthly transaction fee for checks written  
   Less than 3 checks $0.00
   More than 3 checks $10.00 per debit
Monthly maintenance fee  
   Above $1000.00 $0.00
   Below $1000.00 any day of the month 15.00
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day $4.00 per day

 


Interest will be compounded on a monthly basis.

Interest will be forfeited if the average ledger balance falls below $1,000.00 during the statement cycle.

Interest begins to accrue on the first business day you make your deposit, and will be credited to this account on a monthly basis. If you close your account before interest is credited, you will not receive the accrued interest.

The average daily balance method is used to calculate interest on your account. This calculation is achieved by taking the sum of the ledger balance (positive or negative) in the account for each day of the period divided by the number of days in the period

Six (6) withdrawals are allowed per statement cycle or four week period, no more than six of which may be payable by draft or similar order to a third party.

Management reserves the right to change at any time and at its sole discretion the interest rate, the annual percentage yield, and the compounding frequency on this account. Generally, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

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Public Funds Checking

 

Minimum balance to open $100,000.00
Minimum balance to avoid a service charge $1,000.00
Monthly transaction fee for checks written  
   Above $1,000.00 None
   Below $1,000.00 $0.20 per item
Monthly maintenance fee  
   Above $1,000.00 None
   Below $1,000.00 $5.00
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day $4.00 per day

 


Rates on tiers I through IV are paid at the prevailing market rate. Rate information available upon request and subject to change weekly.

Interest will be compounded on a monthly basis.

Interest begins to accrue on the business day you make your deposit, and will be credited to this account on a monthly basis. If you close your account before interest is credited, you will not receive the accrued interest.

The average daily balance method is used to calculate interest on your account. This calculation is achieved by taking the sum of the ledger balance (positive or negative) in the account for each day of the period divided by the number of days in the period.

Management reserves the right to change at any time and at its sole discretion the interest rate, the annual percentage yield, and the compounding frequency on this account. As a general rule, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

Upon approved application a check card may be granted on this account.

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Oklahoma Bar Foundation IOLTA

 

Minimum balance to open $0.00
Minimum balance to avoid a service charge $0.00
Monthly maintenance fee $0.00
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day $4.00 per day

 


Interest will be compounded on a monthly basis and will be submitted to the Oklahoma Bar Foundation monthly.

Interest begins to accrue on the business day you make your deposit and will be credited to this account on a monthly basis. If you close your account before interest is credited, you will not receive the accrued interest.

The average daily balance method is used to calculate interest on your account. This calculation is achieved by taking the sum of the ledger balance (positive or negative) in the account for each day of the period divided by the number of days in the period

Management reserves the right to change at any time and at its sole discretion the interest rate, the annual percentage yield and the compounding frequency on this account. As a general rule, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

The customer will be responsible for purchasing his or her own checks.

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Commercial Checking

 

Minimum balance to open $100.00
Minimum balance to avoid a service charge None
Monthly transaction fee for checks written $0.15 per item
Monthly Maintenance fee $5.00
Foreign item fee $0.07 per item
Charge for each insufficient check $30.00
Continuous overdraft fee after 1 day $4.00 per day
Interest paid None
Compounding None
Credit back 25 per $100.00 of average ledger balance

 


The credit back will be calculated monthly and applied to any accrued service charges for the month. You will be charged only the net amount of your service charges. Total credit back will not exceed total monthly services charges.

Management reserves the right to make changes to this account at its sole discretion. As a general rule, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

Customer will be responsible for purchasing his or her own checks

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Small Business Advantage Checking

 

Minimum Balance to Open $100.00
Monthly Maintenance Fee $10.00
Account Fee - balance required to avoid service charge None
Charge for each insufficient item $30.00
Continuous overdraft fee after 1 day $4.00 per day.

 


Account will be charged a fee of  per insufficient item. Continuous overdraft fee after one (1) day is

Other Features

  • Business Checks available in various styles for the Customer to select.
    - Customer responsible for cost of checks.
  • Monthly Imaged Statement and Checks
  • Free Check Binder for Imaged Statement and Checks
  • Free Internet Banking (Superweb) and Telebanking (Super Info Line)
  • ACH Origination
  • Commercial Visa Purchasing Card
  • MasterCard Corporate Card
  • Visa / MasterCard Merchant Services
  • GPNB Overdraft Privilege
    - Amount of "GPNB Overdraft Privilege" overdraft limit .... $700.00
    - Available to Consumer DBA (Doing Business As) Accounts, Sole Proprietorships,
    - Not available to Corporations, Partnerships, L.L.C., etc.
    - Approved application required
    - Some restrictions may apply
  • Small Business Visa Check Card
  • Approved application required
  • Some restrictions may apply

Management reserves the right to make changes to this account at its sole discretion. As a general rule, withdrawals from this account will be paid on demand; however, the bank reserves the right to require seven (7) days written notice.

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