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Personal Savings

RETRIEVE APPLICATION

VERIFY TRIAL DEPOSIT

WTDirect is not for everyone. Our Personal Online Savings Account is designed for savers in control of their finances who insist upon higher standards.

WTDirect Offers More

Higher transfer limits to allow saving for larger purchases such as homes
Next-Day Transfers for qualified clients
Unlimited number of transfer links to other bank accounts
Ability to initiate transfers from another bank
More ways to move your money, including Wire Transfers and Treasurer's Checks
Free Mobile Banking †
Different types of personal accounts, including Totten Trust/Beneficiary Accounts

Higher Rates. Higher Standards.

The WTDirect Personal Savings Account rate is consistently in the top 5% of U.S. banks. Balances of $10,000 or more earn our highest rate, unlike some online banks that lower their rates when your balance gets too high. As a result, WTDirect clients keep much higher balances with us.

And higher balances deserve higher standards of service. Each and every call is answered by an informed client care specialist, 7 days a week.

Advantages

No fees.
No minimum deposit to open the account.
No stock market risk or long-term commitments of less liquid accounts.
$0 Liability Guarantee for unauthorized transactions on your account.***
FDIC insurance, which protects your money up to the maximum allowable limit of $250,000 per depositor with Wilmington Trust FSB.**
Easy-to-use online banking platform.
WTDirect was one of the first high-yield online savings accounts, and is a division of Wilmington Trust FSB, part of the Wilmington Trust family of financial companies over 105 years strong. Learn about our heritage of strength and soundness.

If you’re not pleased with your WTDirect experience, we’ll help you close your account. Really. Start saving in minutes and apply for a WTDirect Personal Savings Account now.

† There is no charge for this service from WTDirect, but standard data or messaging rates from your mobile provider may apply.

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© 2010 Wilmington Trust FSB. WTDirect is a division of Wilmington Trust FSB. Baltimore, Maryland. Member FDIC.

*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.