
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.

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Following the footsteps of many entrepreneurs, Ethan Jones seized the chance to establish a business that caters to the need for a nearby meat processing facility.
Swine and Bovine Processing is a meat processing facility in Wray, Colorado, that custom harvests, ages, and packages swine and bovine livestock.
“When the COVID-19 pandemic brought about a pressing need for more options and appointment availability, we expedited the construction and operations of our facility to better serve those in need of our services,” said Jones. “Our facility was built to process 15-25 bovine and 10 swine per week, in a state-of-the-art and modern way. We pride ourselves in maintaining the quality our local ranchers produce.”
S&B’s facility is currently state-inspected, but they’re thrilled to be seeking federal inspection through the USDA. This would enable them to custom process for retail producers. “Following our grant of inspection, we plan to support local producers by purchasing their livestock to sell through our retail meat counter.”
“When I had the idea to open S&B Processing I contacted Wray State Bank to get the ball rolling. Amber Hardwick has provided exceptional personal service that makes me feel like I’m dealing with a person, rather than a bank. For as long as I can remember, Wray State Bank has been my go-to bank, providing the best financial services that align with my financial needs and goals.”
We offer business bank accounts to accommodate businesses of all types and sizes.
We’re happy to lend you a helping hand to finance your business’s goals.
Pay your employees and vendors, accept credit cards from your customers, and more.

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,