Q. How can I make a payment online?
A. To make a payment online, you may transfer funds from your checking, savings or money market account. Simply click the Funds Transfer tab above, or click "Make a payment" in the Quick Links section below.

Q. Why does each payment appear as multiple items in the Account Transactions section?
A. The payment appears as multiple items so you can see the total amount of your payment as well as the distribution of funds: how much was applied to principal, how much to interest, and how much to insurance or other fees if applicable.

Q. What is the outstanding balance?
A. The outstanding balance is your principal balance and does not include interest that has accrued since your last payment.

Q. What is the estimated payoff?
A. The estimated payoff amount is an estimate based on the loan's outstanding principal balance at the close of business on the preceding business day, plus interest at the current interest rate and credit insurance premiums (if any) that will accrue by our daily cutoff time. As a consequence, the estimate may not include sums (such as late charges, prepayment penalties, or collection costs) properly chargeable to the loan account that have not yet been posted to the account, or transactions that have occurred since our cutoff time on the previous business day (such as payments or additional credit advances).

Q. How do I get the actual payoff amount?
A. A request for a "formal" payoff statement must (i) be submitted in writing, (ii) adequately identify the loan and the collateral, (iii) be signed by the requesting party, and (iv) be sent either by fax to the Bank's Credit Department (Payoff Request) at 910-641-0595 or by mail to Waccamaw Bank, Credit Department (Payoff Request), PO Box 2009, Whiteville, NC 28472. If collateral securing this loan also secures other obligations, we are not obligated to release collateral or cancel security instruments unless and until all secured by the collateral are paid in full and satisfied.

Q. What is included in the payoff amount?
A. The payoff amount includes your principal balance plus any late fees, insurance payments, and interest due to date.

Q. How do I view details for another account?
A. Use the Choose Account drop-down menu in the upper right to select another of your accounts. Then click View to display the details for that account.