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 Here at Warrington Bank we arrive every morning with our main goal of being attentive to your needs as a customer. Below you will find a list of the services and products that we can offer your family and/or business! For more information on a particular service or product, just click and you will be able to read more about what exactly we can do for you today!
If you would like to discuss a product or service that we are currently offering with a representative, please email us, or use the locations information to find the branch nearest you!
TO REPORT A LOST/STOLEN DEBIT CARD 24HRS CALL 866-5HOTCRD (866-546-8273).
TO ACCESS ACCOUNT INFORMATION 24 HOURS A DAY, CALL OUR TELEPHONE BANKING AT 877 TWB 5STAR (877-892-5782).
eStatements are now available. Enroll today from your NetTeller account. Click on the ESI tab and follow the instructions.
The Warrington Bank has chosen not to participate in the FDIC's Transaction Account Guarantee Program. Customers of The Warrington Bank with noninterest bearing transaction accounts will continue to be insured for up to $250,000 under the FDIC's general deposit insurance rules.
Direct Free Checking
Minimum balance to open the account - You must deposit $100.00 to open this account.
Fees: There is no fee per statement cycle IF you receive a direct deposit to the account of payroll or retirement benefits at least monthly. If the qualifying direct deposit ceases, the account will revert to the Regular Checking Account Service Charge.
Features: No Minimum Balance required. Unlimited Check writing. Debit/ATM Card.
Basic Checking Accounts
Minimum balance to open the account - You must deposit $100.00 to open this account.
Fee - $5.00 per statement cycle.
Advantage Checking Club Accounts
Minimum balance to open the account – You must deposit $100.00 to open this account.
Fees – $8.00 will be charged each statement cycle. If you are 55 or older the fee will be $5.00 each statement cycle.
NOW Account
Rate Information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited; you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $6.00 will be imposed every statement cycle if the balance in the account falls below $1,000.00 any day of the cycle.
Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Money Market Deposit Accounts
Rate information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $2,500.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $5.00 will be imposed each monthly statement cycle if the average daily balance for the monthly statement cycle falls below $500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Average daily balance computation method – We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Money Market Deposit Account to another account or to third parties by preauthorized automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties.
Direct withdrawals – No restriction on the number or frequency of direct withdrawals, including transfers from the account to other accounts of the same depositor, when made by the depositor in person at the Bank or an automated teller machine (ATM) or by mail. The amount of each withdrawal may not be less than $100.00.
Statements – Descriptive statements will be furnished on a monthly basis on the date interest is paid. The actual checks, deposits and withdrawals WILL NOT be returned in the statement.
Fees – A miscellaneous charge fee of $5.00 will be charged for each check in excess of three during a statement cycle.
Regular Savings Account
Rate information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account at any time.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every quarter.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle.
Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card or similar order to third parties.
Fees – An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.
Minor Savings Account
Rate information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account at any time.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every quarter.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $25.00 to open this account.
Minimum balance to avoid imposition of fees – A service charge fee of $3.00 will be imposed every statement cycle if the balance in the account falls below $25.00 any day of the cycle.
Daily balance computation method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits – Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Transaction limitations – Transfers from a Minor Savings account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties.
Fees – An excessive withdrawal fee of $1.00 will be charged for each withdrawal in excess of three during a quarter.
Christmas Club Account
Minimum balance to open the account – You must deposit $1.00 to open this account.
Transaction limitations and fees– If any withdrawal is made from this account before maturity or if all required deposits are not made a fee of $5.00 will be imposed.
Business Checking Regular Account
This is a business purpose account and is not subject to Regulation DD (Truth-in-Savings) requirements.
Monthly Service Charge Analysis
- Receive a credit at current market rate on average collected balance.
- Debit of $7.00 maintenance charge.
- Debit of $.10 per debit item paid on account.
- Debit of $.08 per item deposited to account.
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Receive a debit at current market rate for any average uncollected balance.
Business NOW Account
This is a business purpose account and is not subject to Regulation DD (Truth-in-Savings) requirements.
Rate information – Your interest rate and annual percentage yield may change.
Frequency of rate changes – We may change the interest rate on your account every month.
Determination of rate – At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency – Interest will not be compounded. Interest will be credited to your account every month.
Effect of closing an account – If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account – You must deposit $100.00 to open this account.
Monthly Service Charge Analysis
- CREDIT – Interest is paid at the NOW Account rate on the average balance.
- DEBIT – If the minimum balance maintained is less than $1,000.00 and the average collected balance maintained is less than $1,500.00 there is a maintenance charge of $7.00.
- DEBIT – If there are more than 20 items paid on the account there will be a $.15 charge for each item paid in excess of 20.
- DEBIT – If there are more than 30 items deposited to the account there will be a $.10 charge for each item deposited in excess of 30.
Reg E Overdraft Opt-In Notice
What You Need to Know about Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We
can cover your overdrafts in two different ways:
1. We have standard overdraft practices that come with your account.
2. We also offer an overdraft protection plan, using a link to a savings account, which can help ensure that checks are
paid in the event that your checking account does not have sufficient funds to cover the full amount of your
check(s).
This notice explains our standard overdraft practices.
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
Checks and other transactions made using your checking account number
Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
ATM transactions
Everyday debit card transactions
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any
type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if The Warrington Bank pays my overdraft?
Under our standard overdraft practices:
We will charge a fee of $23.00 each time we pay an overdraft.
There is no limit to the total fees that you can be charged for overdrawing your account.
What if I want The Warrington Bank to authorize and pay overdrafts on my ATM and everyday debit card
transactions?
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (850) 455 ‐7351,
visit http://www.warringtonbank.com, or complete the form below and present it to either of our locations or
mail it to: The Warrington Bank 4093 Barrancas Ave. Pensacola, FL 32507
I do not want The Warrington Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions
on the account listed below.
I want The Warrington Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions on the
account listed below.
Printed Name:
Date:
Account Number | 
