Wray State Bank is ready to satisfy your banking needs from wherever you are. We are a progressive institution, as your needs change our products will evolve to meet those needs. However, should you have the need to call us rather than use our web site or our phone banking system you may be assured that you will ALWAYS talk to a real person rather than be forced to negotiate your way through an automated phone answering system!

Wray State Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all non interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.