Reward Checking | Standard Checking | Bankers Choice | NOW Account | Mainstreet Checking
Free Checking | For Seniors | Mainstreet 50 | Solid Gold Club | EZ*Access Checking

Reward Checking

• No minimum balance or monthly fees
• Free Bank@Home services
• Check Card (Must Qualify) (learn how debit holds can affect your checking balance)
• 4.00% APY* on balance up to $50,000, and nationwide ATM fees refunded**, for each qualification cycle when all electronic banking requirements are met:

  - 10 check card transactions
  - one direct deposit or ACH auto debit (free bill pay with direct deposit)
  - access online banking
  - receive e-statement

• 0.5% APY* on balance if electronic banking requirements not met, with no ATM fee refunds
• 1.00% APY* on portion of balance over $50,000 if electronic banking requirements met

*APY = Annual Percentage Yield. ELECTRONIC RATE REQUIREMENTS PER QUALIFICATION CYCLE: 10 check card transactions, receive e-statement, one direct deposit or ACH auto debit and access online banking. If you meet these conditions during the cycle, you will earn 1.00% APY on the portion of your balance over $50,000. If you do not meet the above requirements, you will earn 0.50 % APY. Rates are subject to change. Free Bill Pay with direct deposit. **Unlimited ATM refunds nationwide, includes all transaction fees charged when using another bank’s ATM. ATM fee refunds are automatic and will be credited to the account at the end of the qualification cycle. Receipts are NOT required to receive refunds. Rates are subject to change.

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Standard Checking

• $100.00 minimum opening deposit
• Check Card (Must Qualify) (learn how debit holds can affect your checking balance)
• No monthly service charge if average monthly balance is over $500.00
• $6.00 service charge if average monthly balance is under $500.00
• No monthly service charge if full time student
• No monthly charge if $1,000.00 is maintained in any type savings account

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Bankers Choice

• $100.00 minimum opening deposit
• Interest paid on account
• Free personalized checks
• No fee for Traveler's Checks
• No fee for cashiers checks or money orders
• No fee for notary service
• Discount on lock boxes
• No monthly service charge if $10,000.00 is maintained in a combined balance in checking, savings or certificates of deposit
• $8.00 monthly service charge if combined balance in checking, savings or certificates of deposit falls below
  $10,000.00
• Check Card (Must Qualify) (learn how debit holds can affect your checking balance)
  

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Now Account

• $100.00 minimum opening deposit
• Interest paid on account
• No monthly service charge if average monthly balance is $1,000.00 or more
• $7.00 monthly service charge if average monthly balance falls below $1,000.00

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• No minimum balance
• Unlimited check writing
• FREE personalized checks
• Travelers' checks, cashiers checks and money orders at no issue fee
• Free notary service
• $5 discount on Safe Deposit Box
• $10,000 accidental death and dismemberment insurance*
• $25,000 common carrier insurance
• Credit card protection
• Lost key return service
• Travel and entertainment
• Lost luggage locator tag
• Travel reservation service Bonus travel dividends
• Auto rental discounts
• Contact lens discounts
• Toll free personal shopper
• Price guarantee
• Low monthly fee of $9.50

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Free Checking

• $50.00 minimum opening deposit
• No monthly service charge or minimum balance requirement
• Duplicate checks are required (due to transaction)
• Unlimited check writing
• Truncated checks (no items and/ or images returned in customer's statement
• Low minimum opening deposit of $50.00
• First order of 40 duplicate printed checks is free
• ATM card only is available. No CheckCards allowed with Free Checking Accounts. Free transactions at Wilson Bank & Trust, Trousdale Bank & Trust, Dekalb Community Bank & Community Bank of Smith County
• An Overdraft Privilege limit of $400 is added on the 30th day after the account is opened (a thirty (30) day waiting period on new accounts is mandatory, some restrictions do apply)
• Existing account holders cannot switch their current account product to a "Free Checking" account product. They must close out their existing account completely and open a new "Free Checking" account or open an additional account ("Free Checking").

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Senior Checking Accounts

Mainstreet Checking 50

• $100.00 minimum opening deposit
• No minimum balance
• Unlimited check writing
• FREE personalized checks
• Travelers' checks, cashiers checks and money orders at no issue fee
• Free notary service
• $5 discount on Safe Deposit Box
• $10,000 accidental death and dismemberment insurance*
• $25,000 common carrier insurance
• Credit card protection
• Lost key return service
• Travel and entertainment
• Lost luggage locator tag
• Travel reservation service
• Bonus travel dividends
• Auto rental discounts
• Contact lens discounts
• Toll free personal shopper
• Price guarantee
• Low monthly fee of $5.00
  

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Solid Gold Club Checking Account

• $100.00 minimum opening deposit
• Age 50 and older
• Must have any two WB&T banking accounts (e.g. CD and checking; checking and savings; checking and loan)
• No fee for being a member
• Discount on lock boxes
• Free bi-monthly newspaper
• Discounted trips, informative seminars and lots more!

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EZ*Access Checking Account

• $100.00 minimum opening deposit
• Fee: $10.00 per month or Free with $1,000 daily balance or payroll direct deposit
• Free Bill Payment Services
• Free Bank@Home
• E-statement available
• Free check card – free ATM usage at all Allpoint ATM’s
• Direct Deposit available
• Telephone Banker
• Overdraft Privilege
• Automatic Funds Transfer to/from other WBT account
  

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For more information contact assistance@wilsonbank.com or call (615) 444-2265.