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. Free Checking
  6. Solid Gold Checking (for senior adults)

 

Reward Checking

      - No minimum balance or monthly fees
  • - Free Bank@Home service
  • - Free Online Bill Pay with a direct deposit
  • - Check Card (must qualify)
  • - Overdraft Privilege may be available with a limit of $900 on the 30th day after the 
      account is opened if all bank requirements are met.
  • - Higher interest on balances up to $50,000 and unlimited ATM fee refunds, when qualifying
       electronic banking requirements are met*:
    • - 10 check card transactions
    • - One direct deposit or ACH auto debit (free bill pay with direct deposit)
    • - Access  Bank@Home 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. 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  service
  • - 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
  • - Overdraft Privilege may be available with a limit of $900 on the 30th day after the 
      account is opened if all bank requirements are met.


 

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BANKERS Choice

  • - $100 minimum opening deposit
  • - Interest paid on account
  • - Check card (learn about debit holds)
  • - Free Bank@Home service
  • - 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
  • - Overdraft Privilege may be available with a limit of $900 on the 30th day after the 
      account is opened if all bank requirements are met.

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NOW Account

  • - $100 minimum opening deposit
  • - Interest paid on account
  • - Free Bank@Home service
  • - 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
  • - Overdraft Privilege may be available with a limit of $900 on the 30th day after the 
      account is opened if all bank requirements are met.

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Free Checking

  • - $50 minimum opening deposit
  • - No monthly service charge or minimum balance requirement
  • - Free Bank@Home service
  • - Duplicate checks required (due to transaction)
  • - Unlimited check writing
  • - Truncated checks (no items and/ or images returned in customer's statement)
  • - First order of 40 duplicate printed checks free
  • - ATM card available (free transactions at all Wilson Bank & Trust Community Financial
      Centers)
  • - Overdraft Privilege may be available with a limit of $400 on the 30th day after the 
      account is opened if all bank requirements are met.     
  • - New accounts only; existing account holders may not switch a current account product to a
      Free Checking account (must close out existing account completely or open an additional
      account)

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Solid Gold Club

  • - $100 minimum opening deposit
  • - Overdraft Privilege may be available with a limit of $900 on the 30th day after the 
      account is opened if all bank requirements are met.      
  • - 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 Bank@Home service
  • - Discount on lock boxes
  • - Free quarterly newsletter
  • - Discounted trips, informative seminars and more!

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