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Windward Bank is a digital banking division of Martha’s Vineyard Bank, a Massachusetts state-chartered bank, Member FDIC and Member DIF. Deposits at Windward Bank and Martha’s Vineyard Bank are combined for the purpose of calculating FDIC insurance limits and are not separately insured. Deposit accounts may be subject to approval. By visiting and using this website you agree that your use of this website, and any account you may open with Windward Bank, shall be governed by the laws of the Commonwealth of Massachusetts without regard to its choice of law principles. ©2026 Windward Bank. All rights reserved.