May 2006 - Number 12 Diversity by fsb96139

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									how to
 contact us                                                 basics of
                                                             banking

    For telephone banking call:
    1-800-788-7000
       s   Para información en español,
           oprima el 8
       s   For all other languages, press 0
           and ask for an interpreter
    TDD for the deaf and hard of hearing:
    1-800-841-1743
    Or visit us online at:
    wamu.com




Programs (including for example, fees and features) are
subject to change without notice. Certain restrictions
apply. This brochure is accurate as of its publication
dates; ask us about any announced upcoming changes.
Deposits at Washington Mutual are FDIC Insured.


                                             12016 (1-04)
basics of banking




Welcome to          This booklet explains some of the

Washington          basics of banking. You will find


  Mutual!           sections on checking accounts,

                    savings accounts and loans.


                    There is also a glossary of

                    banking terms that may be new

                    to you. If you see a word in BOLD

                    type, turn to the back to read

                    what it means.


                    We hope that you read through

                    this booklet and find it helpful.

                    You can also get help at your

                    local Washington Mutual financial

                    center or anytime by calling

                    1-800-788-7000.
 checking




The basics                                                       Why Should I Open
                                                                 a Checking Account?

of checking.                                                       A checking account is a safe place to keep
                                                                   your money and still have easy access to it.
                                                                   It also helps you keep track of how much
                                                                   money you have and how much you spend.
                                                                   Plus, your total deposits with us are insured
                                                                   up to $100,000 by the Federal Deposit
                                                                   Insurance Corporation (FDIC).

                                                                 How do I Open
                                                                 a Checking Account?
                                                                   Stop by any Washington Mutual financial
                                                                   center, visit us online at wamu.com, or call
                                                                   1-800-788-7000 and one of our telephone
                                                                   banking representatives can help.

                                                                                 How Do I
                                                                                 Write a Check?
                                                       3/01/05                    • When you open a checking


                             —
                                                                                    account, you will order a
     John Doe
                             / —
                                                                 10.00
                                                                                    box of personalized checks

 Ten dollars and               00
                                                                                    with your name, address
                                    100
                                                                                    and checking account
                                                                                    number printed on them.
                                                                                     • When you write a check,

  Lunch money                               James C. Morrison
                                                                                       it will need to be filled in
                                                                                       with the information
                                                                                       shown here.

 A note     The name         The           Your                  The     The check
 about      of the person    amount        signature             date    amount in
 what you   or company       spelled out                                 numbers
 paid for   you are paying   in words
       checking




How Do I Keep Track                                                              A checking account withdrawal is when you
of My Account Balance?                                                           take money out of your checking account by
• You will get an account register with your                                     writing a check, using your ATM Card or
  new set of personalized checks. This is                                        Washington Mutual Visa® debit card, requesting
  where you keep track of all withdrawals and                                    money from your account at any Washington
  deposits you make. Write down every                                            Mutual financial center, make a payment
  withdrawal and deposit and calculate your                                      using Personal Bill Pay or by transferring
  new balance after each entry.                                                  money out of one of your accounts to another
                                                                                 account over the phone. Other types of
                                                                                 withdrawals from your account might include
  For Withdrawals
                                                                                              ATM fees, service fees, and
                                                                                              payments that you set up to
                                                                                 402 19
 108             Ren
                  ent
                 Rent                                                            300 00       happen automatically.
          /
        11/5                                           300 00
                                                                                 102 19            A checking account deposit is
 TM
 T
ATM     11/6      ash
                 Cash
                 Cas                                    40 00                     40 00
                                                                                  62 19            when you put money into your
 109    11/9     Discount Market
                  isc n
                  isco nt rk
                   s         k
                            rke                         14 98                     14 98            checking account. Deposits can
                                      gr cerie
                                          eries)
                                     (groceries)                                  47 21            be made at any Washington
 110   11/11     The nch Co nter
                  h n          t
                              nte
                 The Lunch Counter                      3 90
                                                          9                        3 90
                                                                                  43 31            Mutual financial center, at an
       11/2        p i
                 Deposit
                   po it                                             463 82      463 82            ATM, by telephone/online transfer
                                      pay he k
                                      pa heck)
                                       a e
                                     (paycheck)                                  507 13            from another eligible account, or
If it’s a The Who                    A brief        The          Subtract the                      automatic deposit, which is the
check,    date you paid              description    amount       amount of the   The new
the check                            of what you    of the       withdrawal      balance is        electronic transfer of payments
number                               paid for       withdrawal   from your       the amount        including paychecks, welfare,
                                                                 account         now in your
  For Deposits                                                   balance         account           Social Security and other benefits.
                                                                                                   Caution: When you deposit
                                                                                 402 19            a check, the bank may place
 108      /
        11/5     Ren
                  ent
                 Rent                                  300 00                    300 00            a hold on the funds and the
                                                                                 102 19
ATM
 T
 TM     11/6     Cas
                  ash
                 Cash                                   40 00                     40 00            funds will not be available to
                                                                                  62 19            use until the hold expires.
 109    11/9      isco nt rk
                   s
                  isc n      k
                            rke
                 Discount Market                        14 98                     14 98
                                      gr cerie
                                          e es)
                                     (groceries)                                  47 21
 110   11/11     The Lunch Counter
                  h n          t
                              nte
                 The nch Co nter                        3 90
                                                          9                        3 90
                                                                                  43 31
       11/2      Deposit
                   po i
                   p sit                                             463 82      463 82        Add this amount to
                                      pa heck)
                                      pay he k
                                       a e
                                     (paycheck)                                  507 13        your account balance
          The                      A brief                                    The         The new balance is
          date                     description                                amount      the amount now in
                                   of the deposit                             of the      your account
                                                                              deposit
       checking




How Can I Check                                     I Can’t Get to the Bank During
My Account Balance?                                 the Day — What Should I Do?
• First of all, you can look at your account        • Use your ATM or Washington Mutual Visa
  register. You should always record each of          debit card to do your banking at a
  your transactions – checks you write,               Washington Mutual ATM. There’s never a
  Washington Mutual Visa® debit card                  fee to access your account at a Washington
  purchases, ATM withdrawals, electronic bill         Mutual ATM.
  payments and other automatic transactions.        • Call 1-800-788-7000 and do your banking
• Your account register is the best place to keep     over the phone. Just call and have your
  track of your account balance. There may be         account number ready. You can make transfers
  checks, withdrawals and deposits written there      to and from many types of accounts and check
  that have not yet been processed by the bank.       your account balance - all over the phone.
  Your account register helps you keep track of     • Do your banking online at wamu.com. Log
  your actual account balance.                        on to view your account balance or transfer
• You can check your available account balance        funds between eligible accounts.
  at any Washington Mutual financial center or      • Most of our financial centers are open on
  at any Washington Mutual ATM with your              Saturdays and some in-store locations are
  Washington Mutual ATM or Washington                 even open Sundays. Call the number above
  Mutual Visa debit card. It's free to check,         to find one near you.
  so check often!
• Or you can log on to wamu.com to view your
  account balance through Personal Online
  Banking, or call us at 1-800-788-7000 from
  a touch-tone phone with your account number
  ready, and follow the easy directions to check
  your current balance. This balance will not
  reflect the effect of any holds we have placed.
  checking




                                  What Is an “Overdraft” and a
                                  “Bounced Check”?
                                  • A check written when there is not enough
                                    money in your account to cover it is called a
The basics                          non-sufficient funds item (NSF). An NSF is
                                    said to “bounce” if the bank returns (bounces)
 of overdrafts.                     it back to the person or company to whom it
                                    was written, rather than paying it. If the bank
                                    pays the NSF instead of returning it, it will
                                    create an “overdraft.”
 What does “NSF” mean? What       • If your check is returned, you may be subject
                                    to additional fees charged by the person or
 happens when a check bounces?
                                    company to whom it was written. Clearing
 How can you avoid the cost and     up a bounced check can be inconvenient
                                    and embarrassing.
 hassle of clearing a bounced
                                  • Your account is overdrawn when a withdrawal
 check? Read on to learn more       exceeds the available balance.
                                  • Whether your check is paid or returned, a
 about overdrafts — and how to
                                    non-sufficient funds (NSF) charge will apply
 protect yourself against them.     whenever you make any NSF transaction.
         checking




Avoiding Overdrafts and                                                      Overdraft Limit*
Bounced Checks                                                                If you don't have an Overdraft Line of Credit or
• Keeping track of your balance and keeping                                   Overdraft Transfer Service, we may pay checks
  enough money in your account to cover all                                   or other transactions that exceed your available
  of the transactions you authorize are the best                              balance up to an overdraft limit we establish.
  defenses against an overdrawn account,                                     • If there is an overdraft limit on your account, the
  bounced checks and NSF charges.                                              amount will be noted on your statement, and will
• Sometimes mistakes happen. To help plan                                      be as of the statement end date. It could change
  for this, you can sign up for an overdraft                                   (be increased, lowered or removed) at any time
  protection product, if available, for your                                   and, due to printing and mailing time, as well as
  checking account.                                                            our process for reviewing overdraft limits, it could
                                                                               have changed by the time you receive your
Overdraft Protection                                                           statement.
Products                                                                     • If an item or transaction is presented against
• Washington Mutual offers two overdraft                                       insufficient available funds, you will be charged
  protection products to help in NSF situations:                               a fee whether we pay it or not. If we pay it, you
• Our Overdraft Transfer Service transfers                                     will avoid the additional cost and potential
  available funds from a linked savings account                                embarrassment that comes with a returned
  or money market deposit account to prevent                                   check.
  overdrafts or bounced checks.1                                             • Overdraft limit is not a line of credit, so you
• Our Overdraft Line of Credit is a revolving                                  will need to immediately deposit additional
  credit line that can be linked to selected                                   funds to pay for your overdrafts.
  checking accounts. It automatically advances                               • If you prefer not to have an overdraft limit,
  money, up to your available credit limit, to                                 just let us know — we would then generally
  your checking account to cover NSF items.2                                   return checks and other transactions that
  1 Subject to maximum number of transfers per month, as described in          exceed the available balance in your account.
    the Account Disclosures. Overdraft Transfer fee may apply.
                                                                              * We reserve the right not to pay any item or transaction presented
  2 Credit approval required. Advance amount limited to available credit        against your account if presented when there are insufficient available
    and subject to interest charges. Annual fee and advance fee may apply.      funds in your account (subject to any Overdraft Line of Credit or
                                                                                Overdraft Transfer Service that you have linked to your account),
                                                                                even if we have paid such items/transactions in the past.
       checking




What Is a Bank Statement?
 Each month, you will receive a statement for
 your checking account from Washington
 Mutual that lists all of your account activity
 processed during the past month.




   This fee amount
   varies by state




   Beginning
   balance                                                                   Ending balance


   List of
   withdrawals
   and deposits




                                                     Not shown:
                                           List of   A form on the back that you can
                                           checks    use to balance your checkbook.
                                           paid
 bank cards




 We’ve got
three different   Washington Mutual ATM Card
                   This is a card that can be used to access your
   types of        account at any Washington Mutual ATM, without
                   a fee, to withdraw money, make deposits, and

banking cards.     check balances for any linked account.
                  • You can choose a Personal Identification
                    Number called a “PIN.” This is a secret
                    code that gives you access to your account.
   Here’s how       If you prefer, a PIN can be assigned to you.

  to use them.    • To use your ATM card, insert the card into the
                    machine and enter your PIN when asked to.

                    - Follow the instructions on the screen and
                      choose the type of banking you are going
                      to do - for example, withdrawal, deposit,
                      or check your account balance.
                    - When you are finished, be sure to take
                      your card and receipt.
                    - Keep your receipt and write down the
                      transaction in your account register.
                  • You can use your ATM card to get cash at
                    any ATM that displays one or more of the
                    logos shown on the back of your card.
                  • When you use an ATM that is not a Washington
                    Mutual ATM, the owner/operator of the ATM
                    may charge a fee, and that amount will be
                    added to the withdrawal and will be included
                    in the withdrawal amount when it appears later
                    on your statement. In addition, Washington
                    Mutual may also charge you a fee, which will
                    later be shown on your statement.
    bank cards




• You can use your ATM or Washington Mutual           • When making purchases with your Washington
  Visa® debit card (see below for more information)     Mutual Visa debit card, you may be asked to
  and PIN to make purchases where Visa debit            choose “debit” or “credit.” Either option will
  cards are accepted. These are called debit or         have the money deducted from your checking
  Point-of-Sale (POS) transactions and fees by          account. To help decide which option is best
  the merchant may apply. Here are the simple           for you:
  steps:                                                - Choose “credit” when you want to avoid
                                                          entering your PIN in public. By choosing
  - You or the merchant will swipe your card              this option, you will swipe your card and
    through the terminal.                                 sign a receipt.
  - You will enter your PIN on the machine’s            - Choose “debit” in order to get cash back
    number pad.                                           with your purchase. You will be asked to
                                                          enter your PIN, and some fees by the
  - When you are finished, be sure to take
                                                          merchant may apply.
    your card and the receipt.
                                                      • There are no interest charges for purchases
  - Keep your receipt and write down the                using your Washington Mutual Visa debit card.
    transaction in your account register.
                                                      • You will sign the receipt (like a credit card
  - The amount of your purchase is immediately          receipt), or use your PIN.
    withdrawn from your account.                      • Make sure that you write down what you spend
                                                        in your account register and take your receipt.
Washington Mutual
Visa Debit Card
  The Washington Mutual Visa debit card
  gives you the convenience of a Visa debit
  card, but the money comes out of your
  checking account.
• Your Washington Mutual Visa debit card
  can be used just like an ATM card (see
  explanation starting on the previous page).
• Use your Washington Mutual Visa debit card
  where Visa debit cards are accepted for
  purchases (see explanation above).
     bank cards




Credit Card                                     BE SMART!
 This is a card that you use to borrow money,   • Remember that when you use your ATM or
 to buy things, or to get cash advances.          your Washington Mutual Visa debit card the
• A credit card is not connected to your          money is taken straight out of your checking
  checking account.                               account — if you don’t have enough money
                                                  available in the account to cover the amount
• Read more about credit cards in the “Loans”     you are spending, you will be charged a fee
  section of this booklet.                        or your transaction may
                                                  not be allowed.
BE SAFE!
                                                • Keep track of all of your transactions and
• Memorize your PIN and don’t keep it with        immediately write everything down in your
  your card.                                      account register.
• If you choose your own PIN, don’t use
  anything obvious like your phone number       Are There Other Ways to
  or birthday — make it a random number.        Access the Money in My
• Don’t share your PIN with anyone.             Account?

• Always make sure to take your card              Yes. In addition to using a personal check,
  and receipt when you are finished with          an ATM, or your Washington Mutual Visa
  your transaction.                               debit card, there are other ways to use the
                                                  money in your checking account to pay for
                                                  things. At Washington Mutual, you can buy
                                                  official checks, money orders and travelers
                                                  cheques, or use wire transfers. Visit your local
                                                  financial center when you want to use one of
                                                  these options. You can also access your
                                                  accounts to check your balances and transfer
                                                  funds between eligible linked accounts by
                                                  using Washington Mutual’s Telephone
                                                  Banking and Personal Online Banking. With
                                                  Personal Bill Pay, you can access your account
                                                  to make payments online.
               savings




                                                                Why Should I Have
      The basics                                                a Savings Account?
                                                                  With a savings account you can keep your
        of saving.                                                money safe while it works for you by earning
                                                                  interest. In a savings account, your money
                                                                  makes money. Like the money held in your
                                                                  Washington Mutual checking account, your
                                                                  total deposits with us are insured up to
                                                                  $100,000 by the Federal Deposit Insurance
                                                                  Corporation (FDIC).
                                                                • Your savings account earns interest.
               Different Savings Accounts                       • Saving is important because it means you’ll
              for different needs and goals                       have extra cash on hand for emergencies
                                                                  like medical bills or car and home repairs.
                           Statement Money Market Certificate
                            Savings    Account    of Deposit    • A savings account helps you save money
   If you are just                                                for things like school tuition, buying a home,
  getting started with                                            vacations, and even retirement.
 a savings plan
If you have at least                                            • Use Washington Mutual’s Automatic
$1000 to put into a                                               Savings Plan to set up transfers from your
higher-earning savings                                            checking account into your Statement
account and do not
need it right away.                                               Savings or money market deposit account.
 If you want easy
                                                                  You decide when and how much, and the
  access to                                                       money is automatically transferred to
    your savings                                                  your account.
    If you are saving
       for a new home,
         retirement,
            or college
               education
             savings




What Kind of Savings Plan
Is Best for Me?
There are three kinds of savings
accounts at Washington Mutual.

Statement Savings Account
• A great way to start saving because you earn
  interest on money you set aside.               Certificate of Deposit
• You can get your money out of the account,
                                                 (CD) Account
  when you need it, by ATM or in person at       • You deposit your money in a CD for a
  any Washington Mutual financial center. If       certain period of time, from one month to
  the balance drops below the minimum              a year or more. (Up to 10 years.)
  balance, you will be charged a monthly fee.    • This is a good account to have when you
• You can have money automatically withdrawn       know you won’t need to use the money for
  from your Washington Mutual checking             a certain amount of time.
  account and put into your Statement Savings    • With a CD, your savings may earn a higher
  account — just tell us when and how much.        fixed interest rate than a savings account
                                                   because you are leaving the money in
Money Market Deposit Accounts                      the bank for a fixed period of time without
• Money market deposit accounts earn               using it.
  interest based on how much you invest.         • There may be penalties if you take your money
  The more money you have in your money            out of the CD before the date of maturity.
  market deposit account, the more interest
  you may earn.
                                                   Call 1-800-788-7000, visit us online at
• You can get your money out of the account,
                                                   wamu.com, or visit a Washington Mutual
  when you need it, by check* or ATM, or in
                                                   financial center for more information on
  person at any Washington Mutual financial
                                                   Statement Savings, money market deposit
  center. If the balance drops below the
                                                   accounts, or CDs.
  minimum balance, you will be charged a
  monthly fee.
 * Transaction limits apply.
 loans




The basics      Banks make loans and give credit cards to
                customers based on their ability to repay the
                loan and their credit rating. Your credit rating
 of lending.    is your reputation for financial responsibility
                or your personal history with money. By
                opening a bank account and managing it
                wisely, you are on your way to building a
                good credit rating.
                It is very important to have a good credit
                rating because it will affect many of your
                plans for the future. If you plan to buy a
                home, buy a car or pay for tuition with bank
                loans, you will need a good credit rating.

               How Do I Build a
               Good Credit Rating?
                Pay Your Bills on Time
                If you fail to pay a bill or miss a payment, the
                person or company to whom the payment
                was due may report your account to the
                credit bureau as delinquent, and that report
                may affect your credit rating. Any late
                payment may hurt your financial reputation.

                Beware of Bad Debt
                Make sure that you can repay any money you
                borrow — especially with credit cards. It can
                be easy to fall behind on your payments and
                hurt your credit rating with large debts or late
                or missed payments.
         loans




What are the Different                             • There is no set amount of time to pay your
Kinds of Credit?                                     credit card debt, but you must pay at least
                                                     the minimum payment due each month by
Credit Card
                                                     the due date. If you do not, you will be
• You may use a credit card to buy goods and         charged a late fee and reported as delinquent
  services up to the amount of your credit           which affects your credit rating.
  limit, or get cash advances up to the amount
                                                   • Shop around for a credit card with a low annual
  of your cash advance limit.
                                                     percentage rate and/or no annual fee.
• You can use your credit card at gas stations,
  grocery stores, restaurants and other shops.
                                                   Personal Line of Credit
  It’s a convenient way to pay without cash
  and keep track of your purchases with the        • A personal line of credit (PLC) from
  monthly statement.                                 Washington Mutual has a lower interest
                                                     rate than most credit cards.
• You will receive a statement from the
  credit card company each month listing           • Apply for a PLC and the bank will tell you
  what you borrowed that month and how               how much money you have been approved
  much you owe.                                      for - that’s your credit limit.

• You can pay the total balance owed or the        • Use money from your PLC by writing special
  minimum payment due each month.                    PLC checks or visiting a financial center. You
                                                     can use any amount — up to the amount of
• It is wise to pay off your total credit card       your available credit limit.
  balance each month.
                                                   • You will receive a statement each month listing
• If you pay less than the total, you will be        what you have borrowed and what you owe.
  charged interest on the outstanding balance.
  Interest is a kind of fee for borrowing money.   • You will be charged interest on the money you
                                                     use, and you must pay the interest as well as
                                                     the outstanding balance or minimum payment.
                                                   • Pay on time to avoid late fees and delinquent
                                                     reports, which affect your credit rating.
           loans




Installment Loans
• Installment loans are repaid in equal, fixed
  monthly amounts (“installments”) over a set
  period of time.
• When you apply for an installment loan, the
  bank will evaluate your application based on       • A Fixed-Rate Loan
  your credit history, your ability to re-pay the      offers you the same
  loan and your collateral, if any.                    interest rate and monthly
                                                       payment for the life of your loan. This can be
Home Loans                                             a good choice if you plan on owning your
• When it’s time to buy your first home, or            home for a long period of time and prefer a
  refinance your present home, Washington              standard monthly payment.
  Mutual is the place to find the loan that’s        • A Home Equity Loan or Line of Credit* is a
  perfect for you. Washington Mutual is one of         way to borrow against the equity you have
  the nation’s largest providers of home loans         built up in your home. It is a smart option to
  and we have many loan options to make                consider when you need money for home
  buying a home easy.                                  improvements, education or bill consolidation.
                                                     * Home Equity Lines of Credit not available in Texas.
• An Adjustable-Rate Mortgage (ARM) may offer
  you several monthly payment options and gives
  you the ability to manage your overall financial
  picture on a monthly basis. This can be an ideal
  choice if your income fluctuates or steadily
  increases over the years.
       glossary




                                                      ATM Card
Glossary                                              A card issued by your financial institution to
                                                      allow you access to the funds in your accounts
Account Balance
                                                      by using ATMs and making purchases at retailers.
Also known as Current Balance, this is the total      The money is withdrawn from your account at
amount of money you currently have in your            the time of purchase.
bank account. This balance does not take into
consideration the affect of any amounts on hold.      Automatic Deposit
                                                      The electronic transfer of funds directly into
Account Number
                                                      your checking account.
The identification number used by the bank for
your bank account. Each account has its own           Automatic Savings Plan
number: one for savings, one for checking, etc.       Washington Mutual offers an easy way to help
                                                      you build a savings plan. Set up an automatic
Account Register
                                                      transfer of money to your Statement Savings
A booklet where you record all of your                account from your Washington Mutual checking
checking account activity. It helps you keep          account - tell us how much, when and which
track of what you have spent and how much             accounts.
money you have in your account. This is where
you keep your actual account balance.                 Available Balance
                                                      The Account Balance, less any amounts on hold.
Annual Percentage Rate (APR)
In loans, it is the true cost of borrowing money      Balance Your Checkbook
expressed as a yearly percentage rate. The APR        To compare your bank statement with your check
takes into consideration the interest rate as         register and make sure you have the correct
well as certain other loan fees.                      account balance and that you are keeping track
                                                      of all of your banking activity.
ATM (Automated Teller Machine)
Also called a “cash machine”or “bank machine” .       Bank Statement
A machine where you can use your ATM or Visa®         Each month, Washington Mutual will mail you
Check Card and PIN number to access the accounts      a statement listing a record of your banking
linked to your card and make withdrawals, deposits,   activity for the past month.
transfers, and to check your account balance.
       glossary




Cash Advance                                        Washington Mutual Visa Debit Card
With a credit card, you may borrow money up         It looks like a credit card but works like a check.
to your cash advance limit. You may get a cash      The money for your purchase is withdrawn
advance at a bank or at an ATM. Be aware that       directly from your checking account. Use it
some credit cards charge higher interest on         where Visa debit cards are accepted.
cash advances than on purchases, may also
charge an advance fee, and may begin charging       Debit Transaction
interest immediately.                               When you use your ATM card or Washington
                                                    Mutual Visa debit card to buy something at a
Collateral                                          store, restaurant, gas station and where the
When you apply for a loan, collateral is the        Visa debit card is accepted. The money comes
property that you give as security that you will    directly out of your checking account.
repay the loan (e.g., house, car).
                                                    Delinquent/Delinquency
Credit Bureau                                       Failing to make a promised payment
National companies that gather information          as agreed.
on what credit individuals have and how they
manage it.                                          Deposit
                                                    Any time you put money into your
Credit Card                                         bank account.
A card issued by a financial institution that
allows you to borrow money up to an                 Equity
approved amount of revolving credit.                The value of your home minus what you
                                                    owe on it.
Credit Limit
The total amount of money that you are              FDIC Insured
approved to use on your credit card or a personal   The FDIC (Federal Deposit Insurance
line of credit. There are usually fees when you     Corporation) protects each Washington Mutual
spend more than your limit and there may be         customer up to a total of $100,000 for their
other consequences.                                 total funds invested in checking, savings, and
                                                    certificates of deposit.
Credit Rating
A record of your financial reputation or history    Financial Center
with money. Your credit rating is used by banks     Any local branch office of
to evaluate your ability to repay a loan or to      Washington Mutual.
use a credit card.
      glossary




Fixed Interest Rate                                 Length of Loan
An interest rate that will not change for a         The amount of time in which you have to repay
specified period of time.                           a loan. The loan term.

Fixed-Rate Mortgage                                 Minimum Balance
A home loan with a rate that remains the same       The least amount of money you are required to
throughout the period of the loan.                  keep in a deposit account. With some accounts,
                                                    you need to keep a certain amount of money
Home Equity Loan or Line of Credit                  on deposit or there will be a monthly fee.
A loan based on the amount of equity you
have in your home.                                  Minimum Payment
                                                    The least amount of money you must pay each
Installment                                         month on your credit card or loan.
A specific amount of money paid over a
specific time on a loan, e.g., Joan has a monthly   Mortgage Loan
installment of $150.00 to repay her car loan in     A loan made for the purpose of purchasing or
five years.                                         refinancing a home.

Interest                                            Non-Sufficient Funds (NSF) Charge
Interest earned is the money the bank pays you      A fee charged by a bank for each item that
for letting them keep your money. Interest paid     overdraws your account or would overdraw
is the money you pay the bank for borrowing         your account if paid. Banks may have different
its money.                                          names for this fee (e.g., overdraft charge or
                                                    returned check charge for bounced checks).
Interest Rate
Interest may be paid to you (as a percentage)       Outstanding Balance
as a return on your investment in the bank.         The total amount that you owe. Monthly bills or
Interest may also be charged to you (as a           credit card statements will show an outstanding
percentage) on the money you have borrowed.         balance for what you still owe.
Generally, it is good to look for a low interest
rate when you borrow and a high interest rate
when you save.
      glossary




Overdraft Protection                                 Transaction
When your checking account is overdrawn, the         Any banking that you do. Transactions include
bank will use funds from the overdraft protection    checks, withdrawals, deposits, debits,
product you’ve chosen (e.g., Overdraft Line of       Washington Mutual Visa debit card purchases,
Credit or Overdraft Transfer Service) to cover       bank fees, interest, transfers and ATM fees.
your NSF transaction. Washington Mutual offers
two products that provide overdraft protection       Transfer
to help prevent you from bouncing a check or         To move money between your accounts. For
overdrawing your account. The Overdraft Line         example, you can transfer money from your
of Credit option is not available on all accounts.   linked checking account to your savings account
To take advantage of our Overdraft Transfer          at a financial center, by telephone or ATM.
Service, you must link an eligible Washington
Mutual savings or money market deposit               Withdrawal
account to your Washington Mutual                    Any time you take money out of your account.
checking account.

Overdrawn
Your account is overdrawn when a withdrawal is
allowed that exceeds the available balance. You
must pay the overdrawn amount immediately.

Personalized Checks
The checks that you order with your checking
account. They have your name, address and
checking account number printed on them.

Point-of-Sale (POS)
When you use your ATM card or Washington
Mutual Visa® debit card to buy something at
a store, restaurant, gas station and where the
Visa debit card is accepted. The money comes
directly out of your checking account.
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                                                             checking
how to                                                         options
 contact us                                                & savings
     For telephone banking call:                              plans
     1-800-788-7000
        I   Para información en español,
            oprima el 8
        I   For all other languages, press 0
            and ask for an interpreter
     TDD for the deaf and hard of hearing:
     1-800-841-1743
     Or visit us online at:
     wamu.com


At Washington Mutual, we believe in making
our community a better place. Through our
WaMoola for Schools® program, we make
helping your favorite school easy. Simply
enroll your Washington Mutual Visa® Check
Card and use it for everyday purchases.
You’ll earn points that are converted into
dollars at the end of the year and donated
directly to the school of your choice.



Programs (including, for example, fees and features)
are subject to change without notice.
Certain restrictions apply.
This offer available in WA, OR, ID & UT.
Deposits at Washington Mutual are FDIC Insured.


                                         9141-PNW (5-05)
checking, savings
   & services




                    We make
                     managing
                    your money
                        easier
                      than ever.
                     At Washington Mutual, we do

                     what we can to make your

                     personal banking simple and

                     convenient— from our

                     Free Checking to a wide

                     selection of savings accounts

                     and services.


                     So take a minute to read through

                     this brochure and choose the

                     accounts and services that are

                     just right for you. It may be the

                     easiest thing you do all day.


                     Or call us at 1-800-788-7000,

                     we’re free to talk!
checking accounts




   From              checking
 truly free            choices
          to fully   If you thought all checking accounts

                     were alike, check this out. Your
        loaded.      options are wide open.


                     There’s our Free Checking with

                     no hidden fees, our Interest

                     Checking, our Gold Checking, and

                     our amazing Platinum Checking.


                     Turn the page to choose the

                     account that’s just right for you.
checking accounts

                                                                                          Check out
                                                                                           these choices.
                                   Free                       Interest                        Gold                                     Platinum
                                 Checking                    Checking                       Checking                                   Checking

  Basic Account Features
  Minimum                   Just the cost to print $100                            $100                                      $1,000
  Opening Balance           your checks or $1
                            without checks1
  Monthly Fee               $0                          $9 (ID, UT)                $7                                        $0 when you maintain
                                                        $8 (OR, WA)                                                          a minimum $10,000
                                                                                                                             balance2
  Other Features            • No per check              • No per check charges • No per check charges                        • Earns interest like a money
                              charges                   • No fees to talk to   • No fees to talk to a teller                   market deposit account
                            • No fees to talk to          a teller             • 24/7 telephone banking                      • Fee-free money orders, bank
                                                                                                                               checks and travelers checks
                              a teller                  • 24/7 telephone                                                     • Free OD Transfer service4
                            • 24/7 telephone              banking                                                            • Waived annual trustee fee on
                              banking                   • Pays interest                                                        Washington Mutual IRA5
  Visa® Check Card          FREE Regular Card FREE Regular Card                    Gold Card with: higher spend-            Platinum Card with: higher
                                                                                   ing limits than our Regular card,        spending limits than our Gold
                                                                                   no annual fee, Purchase Security         card, no annual fee, Purchase
                                                                                   Protection and emergency                 Security Protection and
                                                                                   cash and card replacement                Warranty Manager Service
  Canceled Check            FREE                        FREE                       FREE                                     FREE
  Return
  Combined                  FREE                        FREE                       FREE                                     FREE
  Statement
  Free or Discounted When you get the                   When you get the           Automatically included with              Automatically included with
  Checks3            Plus Package                       Plus Package               the Plus Package                         Platinum Checking

  Free Services — Enrollment is Required
  Free ID Theft             FREE                        FREE                       FREE                                     FREE
  Services
  Personal Online    FREE                               FREE                       FREE                                     FREE
  Banking and
  Personal Bill Pay™

  Other Add-On Services — Enrollment is Required

  Plus Package              $5                          $5                         Included                                 $5

  ID Theft Inspect™         $10                         $10                        $10                                      $10


1 $100 if you apply online.                                                          3 Free image wallet-style checks or choose from a large selection of designer
2 To avoid the $9 (OR, WA) or $10 (ID, UT) monthly service charge on Platinum          checks at a $5 discount. One box per order.
  Checking maintain $10,000 in your Platinum Checking or combined prior month        4 Eligible account must be linked to protect Platinum Checking; transfers are
  average or prior end-of-month balance of all your linked deposit accounts,           subject to funds availability and transaction limits.
  and prior end-of-month outstanding principal balance of linked loans (not past     5 IRA must be linked to Platinum Checking when the fee is automatically
  due). Ask about eligibility requirements and how to link accounts.                   deducted from the plan at year-end.
checking accounts




 protect                                   Preventing Overdrafts,
                                           Bounced Checks and
                                           other Non-Sufficient
  yourself                                 Funds Transactions
                                             It pays to keep on top of your finances.
                                             Monitoring your account balance and
 from overdraft fees.                        transactions, and keeping sufficient available
                                             funds in your account to cover all of your
 A strategy to prevent overdrafts and        transactions are the best defenses against
                                             overdrafts and other non-sufficient funds
 non-sufficient funds transactions (like     (NSF) transactions.
 bounced checks) is an important part        Be sure to record all of your transactions —
                                             don’t forget Visa®Check Car d purchases,
 of managing your finances. These            ATM withdrawals, electronic bill payments
                                             or other automatic transactions.
 situations can happen in a variety of
                                             We offer a variety of ways to check your
 ways — for example, a check or other        account balance: by phone (24 hours a day)
                                             through Personal Online Banking at
 transaction (like an ATM withdrawal,        wamu.com, at any Washington Mutual ATM
                                             or financial center. They're all free, so check
 a point-of-sale transaction, or an          your balance often.

 electronic payment) being presented

 when there are not enough available

 funds in the account to cover the

 transaction. Most of these situations

 can be avoided.
checking accounts




   Overdraft Protection Products                                       Overdraft Limit3:
   We also offer two products that provide                             If you don't have an Overdraft Line of Credit
   overdraft protection:                                               or Overdraft Transfer Service, we may pay
   Overdraft Line of Credit1:                                          checks or other transactions that exceed
   A revolving line of credit linked directly                          your available balance up to an Overdraft
   to your Interest Checking, Gold Checking                            Limit we set.
   or Platinum Checking. It automatically                           • If set on your account, the Overdraft Limit
   advances money to your checking account                            amount may be noted on your statement, and
   to cover any wayward checks or withdrawals,                        will be as of the statement end date. It could
   up to your available credit limit.                                 change (be increased, lowered or removed)
   Overdraft Transfer Service2:                                       at any time and it could have changed by the
   Use the money in your eligible money                               time you receive your statement.
   market account or savings account to                             • If a check or transaction is presented against
   provide your own overdraft protection.                             insufficient available funds, you will be
   Available funds will be transferred from your                      charged a $27 fee for each transaction,
   linked money market or savings account to                          whether we pay it or not. If we pay it, the fee
   your checking account to prevent overdrafts                        will increase the amount needed to pay your
   or other NSF transactions (like bounced                            overdrawn balance and will further reduce
   checks). Available with any Washington                             the overdraft limit, but you will avoid the
   Mutual checking account.                                           additional cost and potential embarrassment
 1 Credit approval required. Advance amount limited to available      that comes with a returned check or other
   credit and subject to interest charges. Annual fee and advance     rejected transaction.
   fee may apply.
 2 Subject to maximum number of transfers per month, as             • Overdraft Limit is not a line of credit, so you
   described in the Account Disclosures. Overdraft Transfer fee
   may apply.
                                                                      will need to immediately deposit additional
                                                                      funds to pay for your overdrafts and any
                                                                      associated fees.
                                                                    • If you prefer not to have an Overdraft Limit,
                                                                      just let us know — we would then generally
                                                                      return checks and other transactions that
                                                                      exceed the available balance in your account.
                                                                     3 We reserve the right not to pay any item or transaction presented
                                                                       against your account if presented when there are insufficient
                                                                       available funds in your account (subject to any Overdraft Line of
                                                                       Credit or Overdraft Transfer Service which you have linked to your
                                                                       account), even if we have paid such items/transactions in the past
                                                                       and even if we have established an Overdraft Limit.
savings accounts




 We’ve got         savings
  lots of           options
 great places      We believe everyone should have

    to park        the chance to plan for the future.

                   That’s why we offer lots of great
   your cash.      ways to help your money amount to

                   more. (Of course, your total deposits

                   at Washington Mutual are FDIC insured

                   up to $100,000.)


                   Turn the page to choose the

                   account that works best for you.
  savings accounts

                                           Check out
                                     Got a savings goal?
                                             these choices.
                             We’ve got an account for you.
                                                                                             Guaranteed
                                                                       Money                 Great Rate
                                                                      Market                   Money                                  Certificates
                                     Statement                        Deposit                  Market               Platinum          of Deposit                Liquid
                                      Savings                         Account                 Account               Savings              (CDs)                   CDs

 Account Features
 Minimum                       $3                               $1,000                       $5,000               $10,000             $1,000 ($100         $5,000
 Opening Balance                                                                                                                      for minors)
                                                                                                                                      ($5,000 for
                                                                                                                                      1 month term)
Monthly Fee                     $3                              $10                          $10                  $0                  $0                   $0
Minimum Balance                $300                             $1,000                       $5,000               No monthly          No monthly           No monthly
to Avoid                                                                                                          fee                 fee                  fee
Monthly Fee

Interest Rates                 Ask us for our                   Higher                       Higher              Earn great rates;    Ask us               Higher rate
                               current rates!                   balance                      balance             Higher balance       for our              may be
                                                                tiers may earn               tiers may earn      tiers may earn       current              available for
                                                                higher interest              higher interest     higher interest      rates!               higher
                                                                — ask us!                    — ask us!           — ask us!                                 opening
                                                                                                                                                           balance
Access Your                    By ATM or in                     By ATM or in                 By ATM or in         By ATM or in        Penalty free at Certain
Cash                           person —                         person —                     person —             person —            maturity        penalty-free
                               unlimited1                       unlimited1                   unlimited1           unlimited1                          withdrawals
                                                                                                                                                      permitted5
Automatic Savings              Yes                              Yes                          Yes                  Yes                 No                   No
Plan Option


 Additional Options and Features
                                • Monthly fee                   • Link to your               • Guaranteed • Link to your              • Add-On3          • Deposits
                                  waived upon                     eligible                     rate for the      eligible             • Bump Rate® 4       and certain
                                  request for kids 18             checking                     first 4 months2   checking             • Terms from         withdrawals
                                  and under                       account for                • Link to your      account for            one month          permitted5
                                • Link to your                    overdraft                    eligible          overdraft              to ten years
                                  eligible checking               protection1                  checking          protection1          • Indexed CD
                                  account for                                                  account for     • Links to your          also
                                  overdraft                                                    overdraft         Platinum               available —
                                  protection1                                                  protection1       Checking               ask for details.
                                                                                                                 account
1 Subject to transaction limits and funds availability.                                              Rate may not be bumped to a promotional rate made available in special
2 Your rate won’t go below the opening rate for your balance tier for the                            offers.
  guaranteed period.                                                                               5 Deposits up to account maximum. Withdraw without penalty if you maintain
3 Available on selected CDs: certain terms and conditions apply.                                     minimum balance of $5,000 and have not made a deposit or withdrawal
4 Available on CDs as selected from time to time; bump rate once during the original                 within the last week; otherwise early withdrawal penalties apply.
  term to our standard rate (posted in financial center) for similar account type, balance
  and term.
additional services




                      Checking Services
 What else              Visa® Check Card

  can we do             Get a Visa Check Card with many of our
                        checking accounts. Use it free to access your
                        account at Washington Mutual ATMs nation-
   for you?             wide. It’s the paperless check – gas up your
                        car, pick up groceries or buy a gift where Visa
                        debit cards are accepted. And now your card
                        has the power to earn money for your favorite
                        school. By enrolling in our WaMoola for Schools®
                        program, you’ll earn points every time you
                        use your check card for everyday purchases.
                        Later, these points will be converted to dollars
                        and donated to the school of your choice.
                        It’s that easy!

                        Plus Package
                        Accessorize your checking account for just
                        $5 a month!
                        • Free image wallet-style checks or a $5
                          discount on a large selection of designer
                          checks (one box per order)
                        • No-fee standard traveler’s checks,
                          bank checks and money orders
                        • Preferred pricing on eyewear and
                          prescription medications1
                        • Payment Card Protection
                        • Discounts on travel2,
                          entertainment,
                          shopping and
                          more
                      1 Not an insurance
                        policy.
                      2 Travel arrangements
                        and ticketing through
                        Bonus Travel provided
                        by Cendant Travel, Inc.
additional services




Savings Services                                                            ID Theft Services
 Automatic Savings Plan                                                     Each day, your bank accounts and credit cards
   Saving has never been so easy — or so                                    may be exposed to the potential of fraud
   painless. We’ll transfer funds from your                                 and identity theft. Get help in recovering
   Washington Mutual checking account into                                  from identity theft with Washington Mutual’s
   your Statement Savings or money market                                   Free ID Theft Services or ID Theft Inspect™
   deposit account. Just tell us how much                                   services, two options that could make
   and when. We’ll even waive the monthly                                   a big difference.
   fee on your Statement Savings account1.                                  Both of our exclusive services give you the
 1 Must have at least one automatic savings plan transfer of at least $25   assistance of a highly-trained Identity Theft
   during the monthly cycle; otherwise, the Statement Savings monthly
   fee will apply.                                                          Recovery Unit, advice from a Credit Education
                                                                            Specialist, Identity Theft Insurance with zero
Checking and                                                                deductible, and useful Online Tips and
Savings Services                                                            Calculators. For $10 a month, the ID Theft
 Personal Online Banking @                                                  Inspect™ service provides extra features with
 wamu.com                                                                   quarterly credit report updates, credit report
                                                                            monitoring and alerts, secure card registry
   You can bank anywhere that you have secure                               and more.
   access to the Internet —FREE. Whether you’re
   close to home or far away, check account
   balances, transfer money between eligible                                Direct Deposit
   linked Washington Mutual accounts1, or                                   Save a trip to the bank each payday with
   download transaction information to your                                 convenient direct deposit – if offered by
   personal financial management software. See                              your employer.
   copies of your paper statements online for up
   to 7 years or choose to receive online only
                                                                            Check Safekeeping
   statements with Personal Online Banking at
   wamu.com. And for no additional fee, pay                                 We’ll be happy to store copies of cleared
   your bills quickly and easily through your eli-                          checks from your checking or money market
   gible checking account with our Personal Bill                            deposit account and send copies only when
   Pay™ service. Simply enroll online at                                    you need them.
   wamu.com.
                                                                            Telephone Banking
   Combined Statement
   Get your Washington Mutual account                                       Call us to open a new account or to get
   information on one, easy-to-read monthly                                 account information 24/7. Let’s talk!
   statement.2
 1 Subject to fund availability and for limited transaction accounts,
    subject to transaction limits.
 2 Combined statements are not available with online
   statement delivery service.
cómo
contactarnos.                                                        opciones de
Para obtener servicio de banca                               cuentas de cheques
telefónica, llama al: 1-800-788-7000.
  n   Para información en español,
                                                              y planes de ahorro.
      oprime el 8.
  n   Para todos los demás idiomas,
      oprime el 0 y pide un intérprete.
Servicio TDD para las personas con
impedimentos de audición:
1-800-841-1743.
O visítenos en Internet en:
wamu.com.
En Washington Mutual, creemos en hacer
que nuestra comunidad sea un lugar
mejor. A través de nuestro programa para
                                 ®
escuelas WaMoola for Schools, hacemos
que te resulte fácil ayudar a tu escuela
favorita. Simplemente inscribe tu Tarjeta
de Cheques Visa® de Washington Mutual
y úsala para pagar tus compras cotidianas.
Recibirás puntos que se convierten en
dólares al final del año y se donarán
directamente a la escuela que escojas.




Los programas (incluyendo, por ejemplo, los
cargos y las características) están sujetos a cambio
sin previo aviso.
Se aplican ciertas restricciones.
Esta oferta está disponible en WA, OR, ID y UT.
Los depósitos en Washington Mutual son
asegurados por la FDIC.


                                         10763-PNW (06/05)
cuentas de cheques,
cuentas de ahorros y
      servicios



                       Hacemos
                       que manejar tu
                       dinero sea más
                       fácil que nunca.
                         En Washington Mutual, hacemos

                         todo lo que podemos para

                         que tus operaciones de banca

                         personal sean sencillas y

                         convenientes, desde nuestra

                         Cuenta de Cheques Gratuita

                         hasta una amplia selección de

                         cuentas de ahorros y servicios.

                         Así que dedica unos minutos a

                         leer este folleto y seleccionar las

                         cuentas y los servicios que son

                         verdaderamente adecuados

                         para ti. Podría ser lo más fácil

                         que hagas en todo el día.

                         O llámanos al 1-800-788-7000,




                       estamos
                        para servirte.
cuentas de cheques




                      opciones
                      de cuentas de
    Desde               cheques.
    gratis            Si creías que todas las cuentas

  realmente           de cheques eran iguales, echa un

                      vistazo a esto. Tus opciones están
         hasta con    totalmente abiertas.


  todo tipo de        Está nuestra Cuenta de Cheques

                      Gratuita sin cargos escondidos,
   características.   nuestra Cuenta de Cheques con

                      Intereses, nuestra Cuenta de

                      Cheques Oro y nuestra asombrosa

                      Cuenta de Cheques Platino.

                      Pasa la página para elegir la

                      cuenta que es verdaderamente

                      adecuada para ti.
cuentas de cheques
                                                                                                   Echa un vistazo
                                                                                                     a estas opciones.
                                                                         Cuenta de               Cuenta de Cheques                       Cuenta de                       Cuenta de
                                                                      Cheques Gratuita             con Intereses                        Cheques Oro                    Cheques Platino

Características básicas de la cuenta.
Balance mínimo para abrir la cuenta                                  Sólo el costo de imprimir   $100                             $100                               $1,000
                                                                     tus cheques o $1
                                                                     sin cheques1

Cargo mensual                                                        $0                          $9 (ID, UT) $8 (OR, WA)          $7                                 $0 cuando mantienes un
                                                                                                                                                                     balance mínimo de
                                                                                                                                                                     $10,0002

Otras características                                                • No hay cargos             • No hay cargos                  • No hay cargos                    • Gana interés como una
                                                                       por cheque                  por cheque                       por cheque                         Cuenta de Ahorro de
                                                                     • No hay cargos por         • No hay cargos por              • No hay cargos por                  Mercado Monetario
                                                                       hablar con un cajero                                         hablar con un cajero             • No hay cargos por giros
                                                                                                   hablar con un cajero
                                                                                                                                                                       postales, cheques
                                                                     • Servicio de banca         • Servicio de banca              • Servicio de banca
                                                                                                                                                                       bancarios y cheques
                                                                       telefónica 24/7             telefónica 24/7                  telefónica 24/7                    de viajero
                                                                                                 • Paga intereses                                                    • Servicio gratis de
                                                                                                                                                                        transferencias de fondos
                                                                                                                                                                       para sobregiros4
                                                                                                                                                                     • Cargo fiduciario anual
                                                                                                                                                                       anulado para las cuentas
                                                                                                                                                                       IRA de Washington Mutual5

Tarjeta de cheques Visa®                                            Tarjeta regular GRATIS       Tarjeta regular GRATIS           Tarjeta Oro con: límites           Tarjeta Platino con: límites
                                                                                                                                  de gastos más altos que            de gastos más altos que
                                                                                                                                  nuestra tarjeta regular,           nuestra Tarjeta Oro, sin
                                                                                                                                  sin cargo anual, con               cargo anual, con Protección
                                                                                                                                  Protección de Seguridad            de Seguridad para
                                                                                                                                  para Compras y                     Compras y Servicio de
                                                                                                                                  emergencia de efectivo             Gerencial de Garantía
                                                                                                                                  y reemplazo de tarjeta



Devolución de cheques pagados                                       GRATIS                       GRATIS                           GRATIS                             GRATIS

Estados de cuenta combinados                                        GRATIS                       GRATIS                           GRATIS                             GRATIS

Cheques gratis o con descuento             3
                                                                    Cuando obtienes el           Cuando obtienes el               Incluidos automáticamente          Incluidos automáticamente
                                                                    Paquete Plus                 Paquete Plus                     con el Paquete Plus                con la Cuenta de Cheques
                                                                                                                                                                     Platino

Servicios gratuitos: Se requiere inscripción.
Servicios gratuitos contra robo de identidad                        GRATIS                       GRATIS                           GRATIS                             GRATIS

Servicio de Banca Personal por Internet y                           GRATIS                       GRATIS                           GRATIS                             GRATIS
de Pago Personal de Facturas
(Personal Bill Pay™)

Otros servicios de añadidura: Se requiere inscripción.

Paquete Plus                                                        $5                           $5                               Incluido                           $5


Servicio de inspección contra robo                                  $10                          $10                              $10                                $10
de identidad (ID Theft Inspect™)
  1 $100 si haces la solicitud por Internet.                                                            3 Cheques de cartera estilo Image gratis o elige entre una gran selección de cheques de
  2 Para evitar el cargo de servicio mensual de $9 (OR, WA) o $10 (ID, UT) en la Cuenta                   diseño con un descuento de $5. Una caja por pedido.
    de Cheques Platino, mantén $10,000 en tu Cuenta de Cheques Platino o un balance                     4 La cuenta elegible deberá estar enlazada para proteger a la Cuenta de Cheques Platino;
    promedio combinado del mes anterior o todas tus cuentas de depósito enlazadas a                       las transferencias de fondos están sujetas a la disponibilidad de fondos y los límites de
    fin de mes y un balance de capital principal pendiente que supere todos tus préstamos                 transacciones.
    enlazados el mes anterior (sin pagos en mora). Pregunta por los requisitos para calificar           5 La cuenta IRA deberá estar enlazada a la Cuenta de Cheques Platino cuando el cargo
    y cómo enlazar las cuentas.                                                                           se deduzca automáticamente del plan a finales del año.
cuentas de cheques




  protégete                               Prevención de sobregiros,
                                          cheques impagados por falta de
    de los cargos                         fondos y otras transacciones con
                                          fondos insuficientes.
   de sobregiro.
                                          Mantenerte al tanto de tus finanzas da buenos
  Una estrategia para prevenir los        resultados. Supervisar el balance de tu cuenta
                                          y tus transacciones, así como mantener
  sobregiros y las transacciones con      suficientes fondos disponibles en tu cuenta
  fondos insuficientes (tales como los    para cubrir todas tus transacciones, son las
                                          mejores defensas contra los sobregiros y otras
  cheques rebotados por falta de          transacciones con fondos insuficientes (TFI).
  fondos) forma parte importante de       Asegúrate de anotar todas tus transacciones.
                                          No olvides las compras con la Tarjeta de
  la administración de tus finanzas.
                                          Cheques Visa®, los retiros de cajero automático
  Estas situaciones pueden ocurrir de     (ATM), los pagos electrónicos de facturas u
                                          otras transacciones automáticas.
  varios modos distintos: por ejemplo,
                                          Ofrecemos una variedad de formas de
  un cheque u otra transacción (tal
                                          comprobar el balance de tu cuenta: por teléfono
  como un retiro de cajero automático     (24 horas al día), a través del servicio de Banca
                                          Personal por Internet en wamu.com o en
  (ATM), una transacción en un punto      cualquier cajero automático (ATM) o cualquier
  de venta o un pago electrónico)         Centro Financiero de Washington Mutual.
                                          Todos estos servicios son gratis, así que
  que se presente cuando no haya          comprueba tu balance a menudo.
  suficientes fondos disponibles en

  la cuenta para cubrir la transacción.

  La mayoría de estas situaciones

  se pueden evitar.
cuentas de cheques




 Productos de protección                            • Si se establece en tu cuenta, la cantidad del
 de sobregiros.                                       Límite de Sobregiro se puede indicar en tu
 También ofrecemos dos productos que                  estado de cuenta y será la correspondiente
 proporcionan protección de sobregiros:               a la fecha final del estado de cuenta. Dicha
                                                      cantidad podría cambiar (ser aumentada,
 Línea de crédito de sobregiros1:
                                                      reducida o eliminada) en cualquier momento
 Una línea de crédito rotativa enlazada
                                                      y podría haber cambiado en el momento en
 directamente a tu Cuenta de Cheques con
                                                      que recibas tu estado de cuenta.
 Intereses, tu Cuenta de Cheques Oro o tu
 Cuenta de Cheques Platino. Esta línea de           • Si se presenta un cheque o una transacción
 crédito adelanta automáticamente dinero a            contra fondos insuficientes disponibles, se te
 tu cuenta de cheques para cubrir cualquier           cobrará un cargo de $27 por cada transacción,
 cheque o retiro para el que no haya bastantes        tanto si hacemos el pago o si no lo hacemos.
 fondos, hasta tu límite de crédito disponible.       Si hacemos el pago, el cargo aumentará la
                                                      cantidad necesaria para pagar tu balance
 Servicio de transferencia de sobregiros2:
                                                      sobregirado y reducirá todavía más el Límite
 Usa el dinero de tu cuenta de mercado
                                                      de Sobregiro, pero evitarás el costo adicional
 monetario calificada o de tu cuenta de
                                                      y la vergüenza potencial que viene con un
 ahorros calificada para proporcionar tu propia
                                                      cheque devuelto u otra transacción rechazada.
 protección de sobregiros. Los fondos
 disponibles serán transferidos de tu cuenta        • El Límite de Sobregiro no es una línea de
 de mercado monetario o de ahorros enlazada           crédito, así que tendrás que depositar
 a tu cuenta de cheques para prevenir los             inmediatamente fondos adicionales para
 sobregiros u otras transacciones TFI (tales          pagar tus sobregiros y todos los cargos
 como cheques rebotados por falta de fondos).         relacionados con los mismos.
 Este servicio está disponible con cualquier
                                                    • Si prefieres no tener un Límite de Sobregiro,
 cuenta de cheques de Washington Mutual.
                                                      simplemente háznoslo saber; en ese caso,
 Límite de Sobregiro3:                                generalmente devolveríamos los cheques y
 Si no tienes una Línea de Crédito de                 otras transacciones que excedan el balance
 Sobregiros o Servicio de Transferencia de            disponible en tu cuenta.
 Sobregiros, es posible que paguemos los
 cheques u otras transacciones que excedan
                                                  1 Se requiere aprobación de crédito. La cantidad adelantada está limitada
 tu balance disponible hasta un Límite de           al crédito disponible y sujeta a cargos de intereses. Es posible que se
                                                    aplique un cargo anual y un cargo de adelanto.
 Sobregiro que nosotros establecemos.             2 Sujeto al número máximo de transferencias por mes, según se describe
                                                    en el folleto de Declaraciones de las Cuentas. Es posible que se
                                                    apliquen cargos de transferencia de sobregiros.
                                                  3 Nos reservamos el derecho a no pagar ningún cheque o transacción que
                                                    se presente contra tu cuenta si se presenta cuando no haya suficientes
                                                    fondos disponibles en tu cuenta (sujeto a cualquier Línea de Crédito de
                                                    Sobregiros o Servicio de Transferencia de Sobregiros que hayas enlazado
                                                    a tu cuenta), incluso si hemos pagado dichos cheques o transacciones en
                                                    el pasado e incluso si hemos establecido un Límite de Sobregiro.
cuentas de ahorros




                     opciones
                       de ahorro.
  Tenemos
                     Creemos que todas las personas

    muchos           deben tener la oportunidad de


  magníficos         planificar para el futuro. Es por

                     eso que ofrecemos muchas

  lugares para       maneras magníficas de ayudarte

                     a que tu dinero crezca más.
       que pongas    (Por supuesto, tus depósitos

    tu efectivo.     totales en Washington Mutual

                     son asegurados por la FDIC

                     hasta $100,000.)

                     Pasa la página para elegir la cuenta

                     que funcione mejor para ti.
cuentas de ahorros




                  ¿Tienes un objetivo de ahorro?
           Nosotros tenemos una cuenta para ti.
                                            Cuenta de                  Cuenta de        Cuenta de              Cuenta de           Certificados de           CD líquidos
                                           Ahorros con                Depósito de       Mercado              Ahorros Platino       Depósito (CD)
                                            Estado de                  Mercado        Monetario con
                                          Cuenta Mensual               Monetario       Alto Interés
                                                                                       Garantizado

Características de la cuenta.

Balance mínimo para abrir                 $3                     $1,000              $5,000                  $10,000              $1,000 ($100          $5,000
                                                                                                                                  para menores)
la cuenta
                                                                                                                                  ($5,000 para un
                                                                                                                                  plazo de 1 mes)



Cargo mensual                             $3                     $10                 $10                     $0                   $0                    $0

Balance mínimo para evitar                $300                   $1,000              $5,000                  No hay               No hay                No hay
el cargo mensual                                                                                             cargo mensual        cargo mensual         cargo mensual

Tasas de interés                          Pregúntanos por        Los niveles de      Los niveles de          Obtén tasas          Pregúntanos por       Podría haber una
                                          nuestras tasas         balance más altos   balance más altos       magníficas; los      nuestras tasas        tasa más alta para
                                          actuales               podrán ganar un     podrán ganar un         niveles de balance   actuales              un balance más alto
                                                                 interés más alto:   interés más alto:       más altos podrán                           de apertura de
                                                                 pregúntanos         pregúntanos             ganar un interés más                       cuenta
                                                                                                             alto: pregúntanos

Acceso a tu efectivo                      Por ATM o              Por ATM o           Por ATM o               Por ATM o            Sin penalidades al    Se permiten
                                          en persona:            en persona:         en persona:             en persona:          vencimiento           ciertos retiros sin
                                          ilimitado1             ilimitado1          ilimitado1              ilimitado1                                 penalidades5

Opción de Plan de                         Sí                     Sí                  Sí                      Sí                   No                    No
Ahorro Automático
Opciones y                                • Se anula el          • Enlace a la       • Tasa garantiza        • Enlace a la        • Añadidura3          • Se permiten
características adicionales                 cargo mensual          protección de       durante los 4           protección de      • Interés               depósitos y
                                            si así se solicita     sobregiros de       primeros                sobregiros de        aumentable4           ciertos retiros5
                                            para chicos de         tu cuenta de        meses2                  tu cuenta de         (Bump-Rate®)
                                            18 años de             cheques                                     cheques            • Plazos de un
                                                                                     • Enlace a la             calificada1          mes a diez años
                                            edad y menos           calificada1
                                                                                       protección de                              • CD indexado
                                          • Enlace a la                                sobregiros de         • Enlace a tu          disponible
                                            protección de                              tu cuenta de            Cuenta de            también: pide
                                            sobregiros de                              cheques                 Cheques              detalles
                                            tu cuenta de                               calificada1             Platino
                                            cheques
                                            calificada1


  1 Sujeto a los límites de transacciones y la disponibilidad de fondos.                        Financiero) para un tipo de cuenta, un balance y un plazo similares. La
  2 Tu tasa no descenderá por debajo de la tasa de apertura de la cuenta para                   tasa no se puede aumentar a una tasa promocional que se ofrezca en
    tu nivel de balance para el período garantizado.                                            ofertas especiales.
  3 Disponible en CD seleccionados: se aplican ciertos plazos y condiciones.                  5 Depósitos hasta el máximo de la cuenta. Retiro sin penalidad si mantienes
                                                                                                un balance mínimo de $5,000 y no has hecho un depósito o un retiro
  4 Disponible en CD seleccionados periódicamente: interés aumentable una vez                   durante la última semana; de lo contrario, se aplican penalidades por
    durante el plazo original a nuestra tasa estándar (anunciada en el Centro                   retiro anticipado.
servicios adicionales




                          Servicios de cuentas de cheques.
                          Tarjeta de Cheques Visa.®
                          Obtén una Tarjeta de Cheques Visa con
     ¿Qué más             muchas de nuestras cuentas de cheques. Usa
                          la tarjeta gratuitamente para obtener acceso a

     podemos              tu cuenta en los cajeros automáticos (ATM) de
                          Washington Mutual ubicados por todo el país.
                          Es el cheque sin papel: pon gasolina en tu
     hacer por ti?        auto, recoge los comestibles o compra un
                          regalo donde se acepten las Tarjetas de
                          Debito Visa. Y ahora tu tarjeta tiene el poder
                          de ganar dinero para tu escuela favorita. Al
                          inscribirte en nuestro programa para escuelas
                          WaMoola for Schools, recibirás puntos cada
                                                 ®


                          vez que uses tu tarjeta de cheques para pagar
                          compras diarias. Más tarde, estos puntos se
                          convertirán en dólares y se donarán a la
                          escuela que elijas. Es así de fácil.
                          Paquete Plus.
                          Accesoriza tu cuenta de cheques por sólo $5
                          al mes.
                          • Cheques de cartera estilo Image gratuitos o
                            un descuento de $5 en una gran selección
                            de cheques de diseño (una caja por pedido).
                          • Cheques de viajero, cheques bancarios y
                            giros postales estándar sin cargos.
                          • Precios preferidos en lentes o productos
                            para la vista y medicamentos de venta
                            con receta1.
                          • Protección para tarjetas de pago.
                          • Descuentos en viajes2, entretenimiento,
                            compras y mucho más.




                        1 No es una póliza de seguro.
                        2 Los arreglos de viaje y los boletos que se obtienen a través de Bonus
                          Travel son proporcionados por Cendant Travel, Inc.
servicios adicionales




  Servicios de ahorro.                                                    Washington Mutual en un estado mensual fácil
  Plan de Ahorro Automático.                                              de leer.2
  Ahorrar nunca ha sido más fácil, ni menos
  doloroso. Transferiremos fondos de tu Cuenta                            Servicios contra robo de identidad.
  de Cheques de Washington Mutual a tu Cuenta                             Cada día, tus cuentas bancarias y tus tarjetas de
  de Ahorros con Estado de Cuenta Mensual o a                             crédito pueden estar expuestas al potencial de
  tu Cuenta de Ahorros de Mercado Monetario.                              fraude y robo de identidad. Obtén ayuda para
  Simplemente dinos cuánto y cuándo. Incluso                              recuperarte de un robo de identidad con los
  anularemos el cargo mensual en tu Cuenta de                             servicios gratuitos contra robo de identidad
  Ahorros con Estado de Cuenta Mensual.1                                  (Free ID Theft) o los servicios de inspección
1 Se deberá efectuar al menos una transferencia mínima de $25 al Plan     contra robo de identidad (ID Theft Inspect™)
  de Ahorro Automático por mes. De lo contrario, se aplicará el cargo     de Washington Mutual, dos opciones que
  mensual de la Cuenta de Ahorros con Estado de Cuenta Mensual.
                                                                          podrían suponer una gran diferencia.
  Servicios de cuenta de cheques y                                        Estos dos servicios exclusivos nuestros te brindan
  de cuenta de ahorros.                                                   la asistencia de una unidad de recuperación en
  Banca Personal por Internet en wamu.com.                                caso de robo de identidad altamente capacitada,
  Puedes realizar tus operaciones bancarias en                            asesoramiento de un especialista en educación
  cualquier lugar en que tengas acceso seguro                             crediticia, seguro de robo de identidad con
  a Internet, GRATIS. Tanto si estás cerca de                             cero deducible y útiles consejos y calculadoras
  tu casa como si estás muy lejos, comprueba                              en Internet. Por $10 al mes, el servicio de
  los balances de tus cuentas, transfiere dinero                          inspección contra robo de identidad (ID Theft
  entre cuentas enlazadas calificadas de                                  Inspect™) proporciona características adicionales
  Washington Mutual1 o descarga información de                            con actualizaciones de informes de crédito
  transacciones a tu programa de administración                           trimestrales, supervisión y alertas de informes de
  financiera personal. Examina por Internet las                           crédito, registro seguro de tarjetas y mucho más.
  copias de tus estados de cuenta en papel
  durante hasta 7 años o escoge recibir tus                               Depósito directo.
  estados de cuenta solamente por Internet                                Ahórrate un viaje al banco cada día de pago con
  con nuestro servicio de Banca Personal por                              el conveniente depósito directo, si tu empleador
  Internet, en wamu.com. Y sin cargo adicional,                           lo ofrece.
  paga tus facturas de modo rápido y fácil a
  través de tu cuenta de cheques calificada con                           Custodia de cheques.
  nuestro servicio de Pago Personal de Facturas                           Nos complaceremos en guardar copias de los
  (Personal Bill Pay™). Simplemente inscríbete                            cheques pagados de tu cuenta de cheques o
  por Internet en wamu.com.                                               cuenta de ahorros de mercado monetario y en
                                                                          enviarte copias solamente cuando las necesites.
  Estados de cuenta combinados.
  Obtén información sobre tus cuentas de                                  Servicio de banca telefónica.
1 Sujeto a la disponibilidad de fondos y para cuentas con transacciones   Llámanos para abrir una cuenta nueva u obtener
  limitadas, sujeto a los límites de transacciones.
2 Los estados de cuenta combinados no están disponibles con el servicio
                                                                          información sobre tu cuenta o cuentas 24/7.
  de envío de estados de cuentas por Internet.                            Hablemos.

								
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