Gold Reserve Account
First National Bank of Wyoming and Capital West National Bank’s Gold Reserve Account is your reward for good credit. Our Gold Reserve means that we’ve approved, in advance, a personal unsecured loan to balance your account if you should overdraw. It’s designed to end checking account overdraft complications and charges and embarrassing delays.
Use your good credit to qualify for our plan, and your checking account will become a personal loan account. You may write your own loan any time you need extra money for pleasure or an emergency. It’s the freedom of having a reserve fund at your command.
We’ll be glad to talk with you about the ways to access your credit line, finance charges, pay schedules, and your personal credit loan limit.
Overdraft Privilege Service
If you have ever made a mistake in your checking account, or written a check for more money than the available balance in the account, you are aware of the expenses and problems associated with inadvertent overdrafts. Rather than automatically returning, unpaid, any non-sufficient fund items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.
- Payments of overdrafts up to $500 will normally be considered on eligible personal checking accounts.
- Fewer charges from retailers for returned checks!
- Additional convenience and flexibility in managing your funds!
- Less aggravation and embarrassment!
- In addition to accessing the privilege through check transactions, the Overdraft Privilege Service may also be accessed through ATM and debit card transactions, telephone banking, and internet banking!
Our normal non-sufficient funds or overdraft charges will apply to each item that would create an overdraft on you account. We will send you a notice each time an overdraft occurs.
Of course, we cannot promise to pay every overdraft and we are never obligated to pay your overdrafts, even if your account is in good stand and even though we may have previously paid overdrafts for you. Restrictions to apply, and you should read the Overdraft Privilege Policy.