Lifestages

Become a “Kids Klub Saver”

Learning to save money in your teens and college years is an excellent habit that will train you to be a good money manager for the rest of your life. Set goals for your money and start saving NOW. If you don’t have any immediate goals, your goal can be to have a “money cushion” for when that unexpected need for cash occurs.

  • Kids Klub—Committed to teaching our community kids early savings habits. (For minors age 12 and younger.)
  • Regular savings—Save for a rainy day or for emergency expenses! Only $100 to open!

 

Start a Checking Account

A checking account provides a means to learn how to responsibly handle cash, make smart financial decisions and keep track of your spending records. Whether you use a debit card or paper checks, your checking account can help you manage your budget, including paying your bills on time and balancing your checkbook. Keeping up with these good habits can help to start building a good credit reputation NOW.

  • Select Checking—Designed to meet all your personal financial needs!
  • Student—Designed for students age 16 or better

 

Plan for College

It’s never too early for pre-college students and their families to identify and allot the financial resources they have available to fund a college education – whether from savings, loans, grants, scholarships or work income.

  • Certificate of Deposit--An investment option for individuals who prefer a secure way to save money at a competitive rate of return.
  • ROTH IRA
  • Student Loans
    Federal Financial Aid for Higher Education (FAFSA)  –  All college applicants and their parents or guardians should become familiar with the most recent FAFSA guidelines and deadlines which can be found at http://www.fafsa.ed.gov/.  Applications for federal student aid may also be available from your high school counselors, public library or college financial aid office.

 

Establish Credit

Establishing credit is important to your long-term financial achievement. It’s a chance for you to show potential lenders that you can be a responsible credit user. For example, a great first step is to open a checking or savings account and acquire a debit card.  Debit cards do not create your credit file, but having them indicates that you have money and the tools to manage it.  Secondly, you can apply for a department store or major credit card and use it responsibly by paying your bills on time.

~Ask about our VISA Credit Cards!

Identify your medium- and long-term goals and budget your money accordingly

Your short-term goals of less than five years might encompass a wedding, honeymoon, furniture or a new car.  Medium-term goals could include the purchase of a home and financing your future children’s college education, followed by long-term retirement goals.  These goals will help you determine how to spend and save your money.

 

Build assets through saving

It may be wise to invest in CDs or money market funds for your short term goals and the stock market for your longer term goals.  Historically, the stock market has had better outcomes above other types of investments over comparable time periods, but it depends on your comfort level with this type of investment.  You may also want to join a 401K plan if available from your employer or open up an IRA account.

  • Certificate of Deposit-- An investment option for individuals who prefer a secure way to save money at a competitive rate of return.
  • Money Market-- Enjoy tiered and higher interest on larger balances.
  • IRAs-- Opening an IRA is a tax smart way to save money.

 

Establish an emergency fund

A good guide is to save three to six months' worth of living expenses to cover rent or house payments, utilities, car payments, food, transportation and insurance into a separate bank account that could be easily obtained in the case of job loss or uncovered medical expenses. This money should not be access for any other reasons.

  • Regular Savings—Save for a rainy day or emergency expenses! Only $100 to open.
  • Money Market—Enjoy tiered and higher interest on larger balances!

 

Conserve time, money and paper with Greenleaf Wayside Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services

You’ll decrease the time it takes to pay your bills and save on the expense of printed paper checks and postage along with helping the environment as well.

  • Online Banking—Have immediate access to a wide range of banking services for both Personal and Business accounts!
  • Mobile Banking—Check your account balances, review recent activity, transfer money between accounts, and find ATM and branch locations all from the palm of your hand!
  • Telephone Banking—Do it all with one call! 24 hour banking at your fingertips!
  • GreenWay BillPay—Pay one or all of your bill with just the click of a mouse!
  • eStatements—They’re fast, efficient, and free! Just like a regular statement, but available online!
  • Direct Deposit—Enjoy the benefits of never having to deposit a paycheck again!
  • Debit Card—A fast & easy way to pay or get cash!

 

Borrow wisely

Avoid high-interest credit cards and pay off your credit card balances monthly. For your major lending needs, including personal and vehicle loans, home mortgages and home equity lines of credit, consult with a Greenleaf Wayside Bank lender.

  • Mortgage Loans
  • Loans & Lines
  • Personal Loans

 

Understand your credit report

Your financial behavior over the past seven years, including how much credit you have, how long you've had it, and whether you pay your bills on time, is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian – maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification.

Equifax – www.equifax.com 
TransUnion – www.transunion.com 
Experian – www.experian.com

Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan.  Your credit score can also influence the interest rate you pay.  In many cases, the higher your score, the lower your interest rate.

Seek a Loan from a Bank you can Trust

When considering a mortgage — whether for a home purchase, refinance, or a home equity loan — you’ll want to compare all the costs involved, including interest rates, points, fees, down payment and private mortgage insurance requirements. Home equity loans and lines of credit can be helpful when extra cash is needed to reduce significant credit card debt, but be cautious about rebuilding credit card debt once it has been paid. 
With competitive rates, experienced lending professionals and local decision-making, you’ll be sure to find a loan at Greenleaf Wayside Bank that meets your needs. Stop by and talk with one of our lending officers.

 

Understand your Credit Report

Your financial behavior over the past seven years, including how much credit you have, how long you've had it, and whether you pay your bills on time, is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian – maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification.

Equifax – www.equifax.com 
TransUnion – www.transunion.com 
Experian – www.experian.com

Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan.  Your credit score can also influence the interest rate you pay.  In many cases, the higher your score, the lower your interest rate.

 

Start Saving for College

By starting early, when your child is in preschool or earlier, you can build a realistic fund through the power of compounding over many years. Though it may seem far away, the earlier you start the less you’ll have to save per month. Save now while time is on your side!

  • Certificate of Deposit--An investment option for individuals who prefer a secure way to save money at a competitive rate of return.
  • ROTH IRA
  • Student Loans

 

Conserve time, money and paper with Greenleaf Wayside Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services

You’ll decrease the time it takes to pay your bills and save on the expense of printed paper checks and postage along with helping the environment as well. 
Take advantage of Direct Deposit and enjoy the benefits of never having to deposit a paycheck again! Our scheduled deposit service will work with your employer to automatically deposit your checks into the accounts you specify, on time, every time!

  • Online Banking—Have immediate access to a wide range of banking services for both Personal and Business accounts!
  • Mobile Banking—Check your account balances, review recent activity, transfer money between accounts, and find ATM and branch locations all from the palm of your hand!
  • Telephone Banking—Do it all with one call! 24 hour banking at your fingertips!
  • GreenWay BillPay—Pay one or all of your bill with just the click of a mouse!
  • eStatements—They’re fast, efficient, and free! Just like a regular statement, but available online!
  • Direct Deposit—Enjoy the benefits of never having to deposit a paycheck again!
  • Debit Card—A fast & easy way to pay or get cash!

 

Protect your Valuables

A Safe Deposit Box is a convenient place to store important items that would be difficult or impossible to replace, such as the abstract for your home, vehicle titles and insurance papers. Greenleaf Wayside Bank’s safe deposit boxes offer privacy and in most cases, greater security, than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. Contact us for current pricing and availability.
 

Start Saving for Retirement

Many people underestimate the amount of money they’ll need in retirement. When planning, be realistic about major expenditures, e.g., will your mortgage be paid off?  Do you plan to buy a vacation home or travel extensively?  Will you have to pay for your own health insurance?  These and other financial considerations all come into play.

  • Investment services
  • Certificate of Deposit--An investment option for individuals who prefer a secure way to save money at a competitive rate of return.

 

Seek a Loan from a Bank you can Trust

With competitive rates, experienced lending professionals and local decision-making, you’ll be sure to find a loan at Greenleaf Wayside Bank that meets your needs. When considering a mortgage — whether for a home purchase, refinance, or a home equity loan — you’ll want to compare all the costs involved, including interest rates, points, fees, down payment and private mortgage insurance requirements. Home equity loans and lines of credit can be helpful when extra cash is needed to reduce significant credit card debt, but be cautious about rebuilding credit card debt once it has been paid.

Lending professionals and local decision-making, you’ll be sure to find a loan at Greenleaf Wayside Bank that meets your needs. Stop by and talk with one of our lending officers.

 

Understand your Credit Report

Your financial behavior over the past seven years, including how much credit you have, how long you've had it, and whether you pay your bills on time, is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian – maintain these reports, and lenders buy them to help them decide whether to offer you a prequalification.

Equifax – www.equifax.com
TransUnion – www.transunion.com 
Experian – www.experian.com

Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan.  Your credit score can also influence the interest rate you pay.  In many cases, the higher your score, the lower your interest rate.

 

Conserve time, money and paper with Greenleaf Wayside Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services

You’ll decrease the time it takes to pay your bills and save on the expense of printed paper checks and postage along with helping the environment as well.
Take advantage of Direct Deposit and enjoy the benefits of never having to deposit a paycheck again! Our scheduled deposit service will work with your employer to automatically deposit your checks into the accounts you specify, on time, every time!

  • Online Banking — Have immediate access to a wide range of banking services for both Personal and Business accounts!
  • Mobile Banking — Check your account balances, review recent activity, transfer money between accounts, and find ATM and branch locations all from the palm of your hand!
  • Telephone Banking — Do it all with one call! 24 hour banking at your fingertips!
  • GreenWay BillPay — Pay one or all of your bill with just the click of a mouse!
  • eStatements — They’re fast, efficient, and free! Just like a regular statement, but available online!
  • Direct Deposit — Enjoy the benefits of never having to deposit a paycheck again!
  • Debit Card — A fast & easy way to pay or get cash!

 

Protect your Valuables

A Safe Deposit Box is a convenient place to store important items that would be difficult or impossible to replace, such as the abstract for your home, vehicle titles and insurance papers. Greenleaf Wayside Bank’s safe deposit boxes offer privacy and in most cases, greater security, than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. Contact us for current pricing and availability.

 

Start Saving for Retirement

Many people underestimate the amount of money they’ll need in retirement. When planning, be realistic about major expenditures, e.g., will your mortgage be paid off? Do you plan to buy a vacation home or travel extensively? Will you have to pay for your own health insurance? These and other financial considerations all come into play.

Take Advantage of our Interest-Bearing Checking Accounts

  • Super Now—Rewards our customers who maintain higher balances plus prefer to earn interest!
  • Senior Citizen Super Now—For our special friends age 62 or better!
  • First Club—Designed exclusively for individuals age 50 years or better combined with $5,000.00 or more on deposit!
  • Elite Club—Enjoy a host of financial services worth far more than the small monthly fee of $5.95!

 

Conserve time, money and paper with Greenleaf Wayside Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services

You’ll decrease the time it takes to pay your bills and save on the expense of printed paper checks and postage along with helping the environment as well.

Take advantage of Direct Deposit and enjoy the benefits of never having to deposit a paycheck again! Our scheduled deposit service will work with your employer to automatically deposit your checks into the accounts you specify, on time, every time!

  • Online Banking—Have immediate access to a wide range of banking services for both Personal and Business accounts!
  • Mobile Banking—Check your account balances, review recent activity, transfer money between accounts, and find ATM and branch locations all from the palm of your hand!
  • Telephone Banking—Do it all with one call! 24 hour banking at your fingertips!
  • GreenWay BillPay—Pay one or all of your bill with just the click of a mouse!
  • eStatements—They’re fast, efficient, and free! Just like a regular statement, but available online!
  • Direct Deposit—Enjoy the benefits of never having to deposit a paycheck again!
  • Debit Card—A fast & easy way to pay or get cash!

 

Play Catch Up

After age 50, you are qualified to boost your plans with “catch-up” contributions to your IRA. Contact Greenleaf Wayside Bank for more details!

  • Short Term—Available with a minimum balance of $2,500.00
  • Long Term—Available with a minimum balance of $1,000.00     

 

Establish an Estate Plan or a Trust

Greenleaf Wayside Bank can help you plan for the special needs of your children, aging parents, or the responsibilities of higher education and more. Our trust professionals can help you in the areas of trust administration and estate planning to grow your assets, save on taxes and protect and manage your property.

Conserve time, money and paper with Greenleaf Wayside Bank’s convenient checking accounts with online banking and bill pay and no-charge ATM services

You’ll decrease the time it takes to pay your bills and save on the expense of printed paper checks and postage along with helping the environment as well. 
Take advantage of Direct Deposit and enjoy the benefits of never having to deposit a paycheck again! Our scheduled deposit service will work with your employer to automatically deposit your checks into the accounts you specify, on time, every time!

  • Online Banking—Have immediate access to a wide range of banking services for both Personal and Business accounts!
  • Mobile Banking—Check your account balances, review recent activity, transfer money between accounts, and find ATM and branch locations all from the palm of your hand!
  • Telephone Banking—Do it all with one call! 24 hour banking at your fingertips!
  • GreenWay BillPay—Pay one or all of your bill with just the click of a mouse!
  • eStatements—They’re fast, efficient, and free! Just like a regular statement, but available online!
  • Direct Deposit—Enjoy the benefits of never having to deposit a paycheck again!
  • Debit Card—A fast & easy way to pay or get cash!

 

Leave a Legacy

Our services can help you create the legacy you want and administer your assets according to your wishes.

 

Relieve your family from making difficult decisions

Decisions about the disposition of your estate, a living will, burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under duress.

 

Protect your Valuables

A Safe Deposit Box is a convenient place to store important items that would be difficult or impossible to replace, such as the abstract for your home, vehicle titles and insurance papers. Greenleaf Wayside Bank’s safe deposit boxes offer privacy and in most cases, greater security, than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. Contact us for current pricing and availability.

~Contact Greenleaf Wayside Bank to find out more information about renting a safe deposit box!