Wharrie Bank

Leadership Checking

Leadership has its privileges. With our Leadership Checking account, you not only enjoy the essentials like online and mobile banking but also additional perks like exclusive access to our Leadership Money Market account and no foreign ATM fees. We even refund any ATM surcharges, making your money more accessible wherever you are.

Account Features

  • No Foreign ATM Charges: Use any ATM and we will refund the ATM fees from other institutions.
  • Online Banking: Manage your finances and accounts anytime, from anywhere, free, with our secure online banking platform.
  • Bill Pay: Easily pay your bills online, saving you time and hassle.
  • eStatements: Receive your statements electronically for added convenience and security.
  • Mobile Banking: Manage your accounts on the go with our mobile banking app, available for iOS and Android devices.
  • Mobile Deposits: Deposit checks quickly and securely from the convenience of your phone with free mobile banking and mobile deposit.
  • Visa® Debit Card: Enjoy worldwide acceptance and convenient access to your funds without the hassle of carrying cash. Plus, there’s no annual fee. Your card Includes contactless (tap-to-pay) technology for faster, more convenient and more secure transactions. This helps reduce checkout times and offers a touchless alternative to inserting or swiping.
  • Direct Deposit: Set up automatic deposits for fast and secure access to your funds, without the need to wait for checks to clear.
  • Card Controls & Alerts: Directly control both your debit and credit cards. Login to your Online Banking account or enroll today and gain access to card controls and alerts. Turn them on/off, set spending preferences and receive real-time alerts for the transactions you choose.
  • Greenlight – App for Families: A fun and educational experience helping kids to learn money management, debit cards and saving for the future.
  • Access to Leadership Money Market: Let your money work harder for you with premium rates of interest.
  • Retirement Plan Review
  • Safe Deposit Box: Complimentary or discounted rental.

Terms and Fees

  • Monthly Fee: $20 (waived if you meet one of the following criteria)
    • Total Relationship: Maintain a daily minimum balance of $25,000 in a combination of deposits and loans (excluding credit cards and non-serviced mortgages). The daily minimum balance must be maintained every day of the monthly statement cycle.
    • Serviced Mortgage: Maintain a serviced mortgage loan with an original amount of $100,000 or more.
    • Small Business Owner: Maintain an active commercial checking account.
  • Minimum Opening Deposit: $100
  • Non-Uwharrie ATM Fee: $0 per transaction (Use any ATM and we will refund the ATM fees from other institutions.)

Leadership Checking Rates

BalanceAnnual
Percentage
Rate (APR)
Annual
Percentage
Yield (APY)
$0.01 - $999.990.05%0.05%
$1,000 - $9,999.990.05%0.05%
$10,000 and above0.05%0.05%

Elevate Your Banking Experience

Join Uwharrie Bank and enjoy the exclusive benefits of Leadership Checking. Open an account today and start enjoying competitive interest rates, no foreign ATM fees, and personalized services designed to help you succeed.

Let’s Get Started

Access Any ATM Worldwide. Experience the difference of banking with Uwharrie Bank. Contact us via the buttons below, at 800.438.6864 or visit one of Our Locations to speak with a representative.

*Interest is earned on the collected balance less reserves. Rates are subject to change daily. Current rates effective 11/15/2024. Call 800.438.6864 or visit your local branch for current rates. Fees may reduce earnings.