Explore your Personal Account Options

It’s more than just an account, it’s a financial partnership

First Wyoming Personal Accounts

With checking accounts that are designed to fit your lifestyle, savings products that put you in control of your money and personal account products like CDs, loans, and credit cards, you can be assured that First Wyoming Bank & Trust will have an account that fits your needs and budget.

Please note these products are only available at the First Wyoming Bank & Trust Branch of First National Bank locations in Wyoming.

Personal Checking

  • $100 minimum balance to open
  • eStatement with Online Banking – you may avoid a monthly service charge of $8.00 if you enroll in online banking and accept the Electronic Consent Agreement.
  • No monthly minimum account balance
  • Non-interest bearing
  • Unlimited check writing
  • Debit Card – Now Contactless
  • Overdraft protection (upon approval)

Interest Bearing Mint Account. Additional services available at no charge:

  • Cashier’s checks
  • Custom image format
  • Money order
  • Notary service
  • Basic checks
  • Photocopies
  • Stop payments
  • Unlimited check writing
  • Wire transfers (within U.S.)
  • No annual fee for 3×10″ safe deposit box (subject to availability)
  • Higher interest rates on certificates of deposit**
  • May allow discounted loan fees
  • Discounted Trust administration fees

$10,000 minimum deposit to open account.

$10,000 minimum daily balance to earn interest (compounded monthly)

Tier 1: $10,000 – $24,999
Tier 2: $25,000 – $49,999
Tier 3: $50,000 – $99,999
Tier 4: $100,000 – $ 249,999
Tier 5: $250,000 or more

*FWB&T and Secondary Market Mortgage loans not included.
**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

  • $100 minimum balance to open
  • Non-interest bearing
  • Unlimited check writing
  • Debit card
  • Overdraft protection (upon approval)
  • $500 minimum monthly balance (or) minimum monthly deposit and outstanding loan aggregate* of greater than $10,000 to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Paper statement: $8 M.S.C.
      • eStatement: $4 M.S.C.

*FWB&T and Secondary Market Mortgage loans not included.
**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

  • $100 minimum balance to open
  • Must be 62+ (or) full-time student up to age 26
  • Non-interest bearing
  • Unlimited check writing
  • Debit card
  • Overdraft protection (upon approval)
  • Free trial order of personalized wallet or duplicate checks (first order only).
  • $250 minimum monthly balance (or) minimum monthly deposit and outstanding loan aggregate* of greater than $1,000 to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Paper statement: $5 M.S.C.
      • eStatement: $1 M.S.C.

*FWB&T and Secondary Market Mortgage loans not included.
**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

  • $100 minimum balance to open
  • No minimum balance requirements
  • Non-interest bearing
  • Debit card
  • Overdraft protection (upon approval)
  • Basic checks

A monthly service charge  (M.S.C.) will be imposed:

    • Paper statement: $8 M.S.C.
    • eStatement: $4 M.S.C.
    • $.05 per check over 40 checks/month

  • $100 minimum balance to open
  • Interest bearing** (compounded monthly)
  • Basic checks (first order)
  • Unlimited check writing
  • Debit card
  • Overdraft protection (upon approval)
  • No charge for official checks, cashier’s checks or money orders
  • $15 credit toward one-year safe deposit box rental (while supply lasts; good at time of account opening only)
  • $1,000 minimum monthly balance (or) minimum monthly deposit and outstanding loan aggregate* of greater than $15,000 to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Paper statement: $9 M.S.C.
      • eStatement: $5 M.S.C.

*FWB&T and Secondary Market Mortgage loans not included.
**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Personal Savings, CDs and Money Markets

  • Interest bearing**, compounded quarterly
  • $300 minimum balance to avoid a quarterly service charge (Q.S.C.)
    • If a Q.S.C. does apply, a fee of $6 will be assessed
  • $50 daily balance must be maintained to earn interest for the statement period
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) per quarter will be charged an excess withdrawal fee of $1/transaction

**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

  • Interest Baring**, compounded quarterly
  • $50 daily balance must be maintained to earn interest for the statement period
  • $500 minimum balance to avoid a Quarterly Service Charge (Q.S.C.) of $10
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) per quarter will be charged an excess withdrawal fee of $1/transaction. Transactions that continually exceed these parameters may result in account closure

**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

  • To qualify for the Student Savings, you. must be age 26 or younger and a full time student. After age 26 the account will automatically convert to a Personal Savings Account.
  • Interest bearing**, compounded quarterly
  • $50 minimum balance to avoid a quarterly service charge (Q.S.C.)
    • If a Q.S.C. does apply, a fee of $3 will be assessed
  • $10 daily balance must be maintained to earn interest for the statement period
  • Withdrawals are limited to six (6) per quarter. Withdrawals in excess of six (6) will be charged an excess withdrawal fee of $.50/transaction (Transactions that continually exceed these parameters may result in account closure.)

**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

We’ve got a Certificate of Deposit that’s right for you. For as little as $1,000, you can open your own Certificate of Deposit (CD) today!

Our CDs offer flexibility, guaranteed yields, and the safety of Federal Deposit Insurance Corporation (FDIC) insurance. First Wyoming Bank & Trust CDs are backed by the FDIC for up to $250,000 per individual – making them as safe as any investment in the world.

Because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures, you’ll know exactly what return you’ll get and when you’ll get it. We offer CDs in a broad range of maturities, each designed with a particular goal in mind:

Short-Term CD: Short-term CDs (usually up to 3 months) offer you the fastest, readiest access to your money.

Medium-Term CD: Medium-term CDs (6 to 18 months) offer you higher yields than shorter-term CDs.

Long-Term CD: Long-term CD (2 years or more) reward you with the highest yields we have to offer.

Penalty for early withdrawal. Interest rates subject to change daily.

FDIC INSURANCE is provided for our deposit accounts up to $250,000.00. Under certain conditions, coverage can be greater. See our customer staff for details.

NO LIMIT CERTIFICATES OF DEPOSIT THROUGH CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICE (CDARS)

A great service for large-deposit investors! With our No Limit CDs program through the Certificate of Deposit Account Registry Service (CDARS), large deposits can now be placed by First Wyoming Bank & Trust into smaller denomination CDs at multiple institutions.

This service offers significant benefits, including:

  • Safety of FDIC insurance for large deposits
  • CD interest
  • Management convenience
  • Security of working with a trusted, local source

Having your funds placed in the No Limit CDs program through CDARS couldn’t be easier or more convenient.

  • $100 minimum to open
  • $2,500 minimum balance to avoid a monthly service charge (M.S.C.)
    • If a M.S.C. does apply, the following fee will be assessed:
      • Minimum balance of $750 – $2,499 = $5 M.S.C
      • Minimum balance of $0 – $749 = $10 M.S.C.
  • Interest bearing**, compounded monthly.
    • Tier 1: Minimum balance of $2,500 – $24,999
    • Tier 2: Minimum balance of $25,000 – $49,999
    • Tier 3: Minimum balance of $50,000 – $99,999
    • Tier 4: Minimum balance of $100,000 – $ 249,999
    • Tier 5: Minimum balance of $250,000 or more
  • $2,500 daily balance must be maintained to earn interest for the statement period
  • Withdrawals or transfers are limited to six (6) per month. Withdrawals or transfers in excess of six (6) will be charged an excess withdrawal fee of $1/transaction (Transactions that continually exceed these parameters may result in account closure.)

**Interest rate to be determined by First Wyoming Bank & Trust and is subject to change.

Personal Loans

FIRST WYOMING BANK & TRUST NMLS ID LIST

Company ID: 476969

Employee Name NMLS Number

Jeffrey Wallace
Market President		 613278

Toby Hytrek
Burns Branch President		 613275

Kevin Kisicki
Cheyenne Branch President		 613276

Ryan Whitehead
Chief Credit Officer		 1433665

Nancy Bliss
Sr. VP Loan Operations		 613277

 

Brittany Ringstmeyer
Lending Officer		 2303798

Norma VanMatre
Mortgage Loan Officer
Digital Business Card		 474348

Shannon Moore
Mortgage Loan Officer
Digital Business Card		 857904

Michelle Mulberry
Senior VP Mortgage Lending		 617677

Retirement Accounts

Secure your future with an Individual Retirement Account (IRA)

Is an IRA right for you?

You may be able to save on your present taxes by deducting your qualified IRA contributions from your taxable income. Many Americans can deduct all or part of their IRA contributions; the deductible amount depends on your income, marital status and whether you’re an active participant in an employer-sponsored plan, as defined by the Internal Revenue Service.

You may also be able defer taxes on your IRA until you retire, when you will probably be in a lower tax bracket.

IF YOU’RE CHANGING EMPLOYERS OR RETIRING, AN IRA ROLLOVER MAKES SENSE.

If you are retiring or changing jobs and anticipate withdrawing money from your employer’s retirement plan, you can avoid withdrawal penalties by transferring your assets into an IRA or another qualified plan. You can ask your employer to arrange for a “direct rollover” of your money into a new IRA account with First Wyoming Bank & Trust, or you can do it yourself with an IRA-to-IRA rollover. You must complete the rollover within 60 days from the date you receive the assets from your old IRA in order to qualify and not pay the mandatory 20% withholding and possibly other penalties.

Internet Banking

Ready to Give Internet Banking a Try?

It’s never been easier to stay on top of your finances!  Internet and Mobile Banking enrollment is quick and simple and should only take a few minutes to complete.

mobile wallet

Mobile Wallets Explained

Have you heard the buzz lately about hands-free payment technology or mobile wallet payments? Are you curious to give it a try, but still a little uncertain about how it works?