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Overdraft Coverage Options

Mistakes happen. Check out these options to protect your account from Overdrafts*.

Bank Cards

Make sure to apply for your Bank of Wedowee Debit and/or credit card.


To enroll in e-Statements, follow these three simple steps:

  • Log on to your on-line banking account.
  • Click on the Accounts tab and then the Statement link.
  • Click on the 'Electronic Only Statement' delivery button and then opt-in.

Internet Banking

Click Enroll to apply for FREE internet banking. Monitor your account 24x7 from the convenience of home.


Certificates of Deposit and Individual Retirement Accounts

For years, CDs have been popular with savers looking for more predictability for their funds.  CDs are the easiest way to save if you don't need immediate access to your money. They usually pay you a higher interest rate than a traditional savings or money market account and, generally, the longer the term that you invest for, the higher the interest rate.

An IRA is a popular retirement plan that provides tax-advantaged savings for retirement. It can be used as an effective way to supplement other long-term savings vehicles. While your money is in an IRA, you don't pay any current income tax on the interest, dividends or capital gains earned. This means that your savings can compound more quickly than in a taxable account.  

IRA Comparison

There are two types of IRAs available for your annual contributions:

  • Traditional IRA - A tax-deferred personal savings plan that allows income earners to make annual contributions, which may be tax-deductible.
  • Roth IRA - A personal savings plan that allows qualified investors to make non-deductible annual contributions with after tax dollars and to withdraw principal and earnings tax-free under certain conditions.

The Bank of Wedowee offers terms from 6 months to 5 years for CDs and IRAs with a minimum deposit of $1,000. 

Penalty for early withdrawal:

  • 1% of amount withdrawn, subject to a minimum of seven days’ interest.