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Bank of Wisconsin Dells Review

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Bank of Wisconsin Dells Savings
0.12% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Founded in 1910, Bank of Wisconsin Dells has assets totaling $522 million as well as $456 million in deposits, ranking it as a medium-size bank. Bank of Wisconsin Dells, whose headquarters are in Wisconsin Dells, Wisconsin, lacks premium access to support representatives, with no live chat or all-day service options available. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. On the whole, Bank of Wisconsin Dells is a decent choice, but with better options out there, with a rating of 3.7 stars out of 5 from our team. Bank of Wisconsin Dells has a full array of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. It has a fair savings rate compared to the average savings account. The bank's standard checking product features a monthly fee of $10.00, although banks sometimes have requirements that allow you to waive the fee. Institutions that offer free checking, in addition to a high interest rate savings account are the best option for gaining the most income on your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

3.7/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.8
SmartAsset Average: 3.5

With a savings rate of 0.12%, Bank of Wisconsin Dells ranks poorly compared to other U.S. banks. Bank of Wisconsin Dells's one-year and five-year term lengths CDs earn at a rate of 1.60% and 3.00%, respectively, while its highest-yielding money market account earns at a rate of 0.80%. Given its below average savings rate, you should think about opting for higher earning savings accounts with other banks.

How Bank of Wisconsin Dells's Savings Rates Compare

Bank of Wisconsin Dells Savings 0.12 National Average 0.26 Compare Offers
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Fees

2.0
SmartAsset Average: 4.4

Bank of Wisconsin Dells charges customers high fees in comparison to the national average. Its checking account has a monthly fee of $10.00, ranking it fair for anyone looking for a simple account. Bank of Wisconsin Dells does not reimburse out-of-network ATM fees, meaning you will be required to search for a Bank of Wisconsin Dells ATM or accept the withdrawal fee.

Monthly Fee $10.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.9
SmartAsset Average: 3.7

Bank of Wisconsin Dells is a brick-and-mortar bank, with three total bank locations in Wisconsin. It also offers access to mobile and web apps for straightforward access and banking on the go. Bank of Wisconsin Dells gets average feedback from users for its mobile platform. The Bank of Wisconsin Dells mobile app scored a 3.8 out of 5 (out of 11 reviews on iOS and Android) compared to the national average of 3.8. You can access Bank of Wisconsin Dells's app to control your bank accounts by looking at current statements, sending and receiving funds as well as accessing customer service. Bank of Wisconsin Dells gets a superb consumer satisfaction rating based on comparatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.8/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

4.9
SmartAsset Average: 4.8

Bank of Wisconsin Dells is currently a medium-size bank owning assets totaling $522 million and deposits totaling $456 million. Bank of Wisconsin Dells has an excellent Texas Ratio of 3.65%, denoting a negligible chance of failure. Additionally, Bank of Wisconsin Dells is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

3.65%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Bank of Wisconsin Dells to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.12% APY $100
Checking Account 0.08% APY $1000
Certificates of Deposit
  • 12 Month: 1.60% APY
  • 24 Month: 2.20% APY
  • 36 Month: 2.45% APY
  • 48 Month: 2.65% APY
  • 60 Month: 3.00% APY
$2500 for all terms
Money Market Accounts 0.4% APY 0.8% APY $10000 $15000

Bank of Wisconsin Dells has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Bank of Wisconsin Dells does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Bank of Wisconsin Dells's CD rates are fair as compared against the national average.

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Find a Bank of Wisconsin Dells Near Me

Bank of Wisconsin Dells has three physical branches in the U.S.

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