Business owner and customer using credit card

WBT Cash Back Checking

It's pretty much like getting paid to go shopping.


A good checking account makes it easy to spend your money. A great account? It's one that sweetens the deal by putting dollars back in your pocket. With WBT Cash Back Checking, you can earn rewards for making debit card purchases - and taking a few other smart financial steps. What's more, you can also qualify for refunds on ATM fees.

  • Earn rewards when meeting qualifications involving debit card purchases, Online Banking, e-Statements, and direct deposit.* (See details below.)
  • 4% cash back on debit card purchases, up to $8 cash back during each monthly cycle*
  • Refunds on ATM fees nationwide*
  • No minimum balance to earn rewards
  • Account fee of $5 per monthly statement cycle waived when enrolled to receive e-statements
  • $100 minimum deposit to open

New to WBT?

Existing Online Banking Customers

Qualify for Rewards

How do you qualify for cash back and ATM rebates? By making these simple money management moves during each monthly qualification cycle* .

  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Have at least 15 debit card purchases of $5 or more post and settle
  • Be enrolled in and agree to receive e-Statement notice
  • Be enrolled in and log in to Online Banking

And if you don’t meet your qualifications one month? No worries, no penalties. You can jet right back to earning your cash rewards the very next monthly cycle.

Free** Checking Services

These convenient services are included with all of our personal checking accounts.

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 your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your WBT Cash Back 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 15 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” runs concurrent with the monthly statement cycle. The monthly statement cycle and the monthly qualification cycle ends on the 18th of each calendar month. Should the 18th calendar day fall on a non-business day, the monthly statement cycle and the monthly qualification cycle will end on the business day preceding the 18th. The next monthly statement cycle and 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 during each Monthly Qualification cycle: (1) You will receive 4% cash back on debit card purchases that post to and clear the account during the Monthly Qualification Cycle up to a total cash back of $8.00 per Monthly Qualification Cycle. (2) Domestic ATM fees of $4.99 or less that are incurred during the qualification cycle will be reimbursed up to a maximum of $20. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. Debit card cash back and ATM fee reimbursements will be credit to the account on the last day of the current statement cycle. When your WBT Cash Back account qualifications are not met, cash back on debit card purchases will not be awarded and ATM withdrawal fees are not refunded. 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:
Account approval, conditions, qualifications, limits, time frames, enrollments, log-on and other requirements apply. A $100 minimum deposit is required to open the WBT Cash Back account. Limit of 1 account per Social Security Number (SSN). There will be a recurring Account Fee of $5 each monthly statement cycle that will be waived if you receive E-statements during the monthly statement cycle. This account is 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.

**Message and data rates may apply