Bank of Winnfield and Trust Company structures its account fees based on product classifications. Regular checking accounts feature low entry barriers, but accounts closed within 90 days incur a $25 early closure penalty. Premium club checking variations carry monthly membership club fees ranging from $9 to $10. NOW and Super NOW accounts enforce strict minimum balance requirements ($1,500 and $10,000 respectively), assessing monthly service charges between $7.50 and $8.50 if balances dip below thresholds. Regular savings accounts charge a $2 monthly fee if balances fall under $25.