
What Is an Overdraft—and How It Can Cost You More Than You Think
What Is an Overdraft—and How It Can Cost You More Than You Think An overdraft happens when you spend more money than you have available
All branches will be closing at 12:00 pm on Friday, July 3, and will be closed all day Saturday, July 4, in observance of the holiday.

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Agriculture is vital to our communities in eastern Colorado. Wray State Bank is proud of our history supporting local farm families and agribusinesses for over 45 years. We believe in and support those who put in hard work day in and day out.
Wray State Bank’s experienced agriculture bankers build relationships with our hard-working customers and help them achieve their financial goals.
Explore some of the ways we can help your agribusiness below.
As a community bank, we believe in and support family farms and local agriculture businesses. We have intimate knowledge of the area, allowing us to make flexible, local, and quick loan decisions.
We offer a personal banking experience designed with you in mind. Whether you’re opening your first savings account, taking out a loan, or buying your dream home, we’re here for every stage of your journey.
Your business deserves a bank that invests in a long-term relationship and remains committed to your sustaining success. We’ve prided ourselves on offering you the hometown touch, complete with unparalleled customer service.

What Is an Overdraft—and How It Can Cost You More Than You Think An overdraft happens when you spend more money than you have available

Spring Clean Your Finances Spring is the season for fresh starts, and that includes your finances. Just like cleaning out closets and organizing your home,