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The Personal Savings Account
Preserving your peace of mind is our priority - we're committed to protecting your accounts, your identity, and your personal information.

Online Fraud Protection

We are committed to protecting your account from unauthorized activity. We believe so strongly in our methods that we offer a $0 Liability Guarantee*** for unauthorized transactions on your account: We'll cover 100% of the amount of any direct loss you experience as a result of unauthorized online transfers from your account.

Beware of Identity Theft: WTDirect emails will always include our name and logo, and we'll address you by name

Of course, we need your assistance to help ensure your protection. Notify us immediately if you notice suspicious activity on your account, or if your User ID or Password is stolen. Protect your User ID and Password. Sign up online for our account balance alerts and check your online statements. Call us immediately if you notice anything amiss at 1-800-WTDirect (1-800-983-4732).  Here are other ways to protect yourself.

Privacy Protection

We will protect the privacy of your information and we will never sell your personal information to a third party without your permission. We give you the opportunity to opt out of receiving marketing emails from us. Our Privacy Policy Notice provides complete details. It's our pledge to you.

Information Security Protection

We are committed to protecting the security of your personal information and your accounts. To keep your personal information secure and confidential and protect against unauthorized access, this information is stored behind a secure firewall monitored by our security experts. Our website also uses sophisticated encryption and virus-detection software to protect your information. Our Security Statement provides additional details.

Beware of Identity Theft
Protect Yourself Against Identity Theft
Be Sure It's WTDirect

*Annual Percentage Yield. APY is variable and is effective as of 7/21/10 and may change at any time. There is no minimum deposit required to open the account. For the first 60 days from the date the account is opened, regardless of the account balance, the account will earn our highest APY, which is variable and is currently 1.21%. After the first 60 days, the APY for the account will have two tiers: (a) a higher APY for accounts with balances of $10,000 or more (variable and currently 1.21% APY); and (b) a lower APY for accounts with balances of less than $10,000 (variable and currently 0.15% APY).
**The standard insurance amount of $250,000 per depositor with Wilmington Trust FSB is in effect through December 31, 2013. For more information, visit https://www.fdic.gov/deposit/deposits/index.html.
***Applies only to transactions covered under the federal Electronic Fund Transfer Act, and requires that you notify us within 60 days of the unauthorized transaction and that you have exercised appropriate account safeguarding practices and have complied with your responsibilities as set forth in the WTDirect Account agreement and disclosures.

WTDirect High-Interest Online Savings Account