Personal Checking Accounts

Apply for a checking account online


 

Out of checks?
Reorder online or call (615) 443-6695 to place an order.
  1. Reward Checking
  2. Standard Checking
  3. BANKERS Choice
  4. NOW Checking
  5. Basic Checking
  6. Campus Checking (for ages 16-23)
  7. Solid Gold Checking (for senior adults)

 

 

Reward Checking

  • - No minimum balance or monthly fees
  • - Free online banking
  • - Free Online Bill Pay with a direct deposit
  • - Check Card (must qualify)
  • - Higher interest on balances up to $50,000 and unlimited ATM fee refunds, when
      qualifying electronic banking requirements are met*:
    • - 10 check card transactions posted and cleared
    • - One direct deposit or ACH auto debit posted and cleared
    • - Access CONNECT online banking account
    • - Receive E-Statement
  • - Interest rates reduced for balances over $50,000. Lower interest rates earned when electronic banking qualifications are not met.

*Electronic requirements for a single qualification cycle. Rates are subject to change. Unlimited ATM refunds nationwide include all transaction fees charged when using another bank’s ATM. ATM fee refunds will be credited to the account at the end of the qualification cycle. Receipts are NOT required to receive refunds. If you believe that you have not been reimbursed the correct amount, please contact us. For current rate information, call a Personal Banker at any of our offices.

 

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Standard Checking

  • - $100 Minimum opening deposit
  • - ATM card/ check card (must qualify)
  • - Free online banking
  • - No monthly service charge if average monthly balance is over $500, or with a
      balance of at least $1,000 in any WB&T savings account  
  • - $6 service charge if average monthly balance is under $500
  • - Unlimited check writing
  • - No per item charges
  • - Free transactions at Wilson Bank & Trust, Trousdale Bank & Trust, DeKalb
      Community Bank, and Community Bank of Smith County ATMs


 

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BANKERS Choice

  • - $100 minimum opening deposit
  • - Interest paid on account
  • - Check card (learn about debit holds)
  • - Free online banking
  • - Free personalized checks
  • - No fee for traveler's checks or cashiers checks
  • - No fee for notary service
  • - Discount on lock boxes
  • - No monthly service charge if $10,000 combined balance maintained in checking, savings
      or certificates of deposit
  • - $8 monthly service charge if combined balance in checking, savings or certificates of deposit falls below $10,000

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NOW Account

  • - $100 minimum opening deposit
  • - Interest paid on account
  • - Free online banking
  • - No monthly service charge if average monthly balance is $1,000 or more
  • - $7 monthly service charge if average monthly balance is below $1,000

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Basic Checking

  • - $5 monthly fee on accounts that receive mailed, paper statements
  • - No minimum balance requirement
  • - Free online banking
  • - Unlimited check writing
  • - Truncated checks (no items and/ or images returned in customer's statement)
  • - ATM card available (free transactions at all Wilson Bank & Trust Community Financial Centers)

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Campus Checking

  • - Six free non-WB&T ATM transactions per month*
  • - ATM card/ check card with free MyPixCard custom design (must qualify)
  • - Free online banking and mobile banking
  • - No monthly service charge with e-statements  ($5 monthly charge for printed statements)
  • - Discounted ID Protection

 

Minimum $25 opening deposit.  Valid ID required.  Check card expires and account converts to basic checking six months after customer’s 23rd birthday.  Customers under 18 require parent or guardian signature.  One MyPixCard per account.  *If you believe that you have not been reimbursed the correct amount, please contact us.

 

 

Solid Gold Club

  • - $100 minimum opening deposit 
  • - For customers ages 50 and older
  • - Two WB&T banking accounts (i.e., checking, saving, CD, loan) required to qualify for club 
      membership
  • - No membership fees
  • - Free online banking
  • - Discount on lock boxes
  • - Free quarterly newsletter
  • - Discounted trips, informative seminars and more!

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