Honoring our Hometown Heroes

Exclusive benefits for Military and First Responders.


Wilson Bank & Trust values the service our Hometown Heroes bring to our communities and are committed to helping you reach your financial goals. We offer exclusive accounts for active military, veterans, and first responders, in recognition of your commitments and sacrifices you and your families make to serve our country and communities. 

New to WBT?

Existing Online Banking Customers

A military logo with a star in the middle.HERO Checking
  • 4% cash back on debit card purchases, up to $10 cash back during each monthly cycle, when monthly qualifications are met*
  • No minimum balance to earn rewards
  • ATM Fee Reimbursement nationwide on Non-Wilson Bank & Trust ATMS*
  • $100 minimum deposit to open
A military logo with a star in the middle.HERO Saver
  • Add a HERO Saver account to your HERO Checking account to earn higher interest when qualifications are met during each monthly qualification cycle for the associated HERO Checking account*
  • Unlimited withdrawals or transfers
  • No monthly service fee
  • $100 minimum deposit to open 
Proof of service will be requested before accounts can be confirmed.

An image of a firefighter, an EMS worker and a police officer.Eligible for all active duty military, veterans, and first responders including Law Enforcement, Firefighters, and EMS Workers.
Thank you for your service!
Please contact Kelley Crecelius with any questions.
Direct: 615-447-2971
Wilson Bank & Trust is a proud member of the Association of Military Banks of America
and the Veterans Benefits Banking Program

Wilson Bank is a full-service financial institution with branches throughout Middle Tennessee. Experience the difference with Middle Tennessee’s Community Bank™.

*Qualification Information:

To earn rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Hero Checking account during each Monthly Qualification Cycle: (1) At least 1 direct deposit or ACH payment (use of routing number and account number to complete a transaction). (2) Receive E-statements. (3) Log into online banking. (4) At least a combined total of 25 debit card purchases, with each transaction of $5.00 or more. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.  The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5.00, debit card purchases processed by merchants and received by our bank as ATM transactions.  Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” ends on the 18th of each calendar month.  Should the 18th calendar day fall on a non-business day, the Monthly Qualification Cycle will end on the business day preceding the 18th.  The next Monthly Qualification Cycle begins the next business day following the end of the previous month's cycle.  A business day is defined as Monday-Friday, excluding federal holidays.

Reward Information:

If qualifications are met through the Hero Checking account during each Monthly Qualification Cycle:

  • Hero Checking accounts will receive 4% cash back on any debit card purchases that post to and clear the account during the monthly qualification cycle up to a total cash back of $10.00 per Monthly Qualification Cycle. When qualifications are not met, cash back is not received.
  • Hero Saver accounts will receive a higher rate of interest compared to when qualifications are not met.

All rewards are credited to each account on the last day of the current statement cycle.  No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:

Fees incurred for the use of domestic non-Wilson Bank & Trust ATMs will be refunded or credited to the account by the next business day.  Business days include Monday – Friday, excluding Federal holidays.

Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. A $100 minimum deposit is required to open each account. Limit of 1 account type per Social Security Number (SSN). There will be a recurring Account Fee of $5 each monthly statement cycle on the Hero Checking account that will be waived if you receive E-statements during the monthly statement cycle.  The accounts are not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.  If the account is closed before an ATM fee can be refunded, you will forfeit the crediting of any ATM fee reimbursement to the account that would have occurred by the next business day following the use of the non-Wilson Bank & Trust domestic ATM.