WBT Interest Checking

Wilson Bank & Trust is a full-service financial institution with branches throughout Tennessee.

*Qualification Information:
The account always earns interest, but will earn higher interest and rewards during each Monthly Qualification Cycle that specific qualifications are met. The monthly statement cycle and the Monthly Qualification Cycle for the WBT Interest account 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 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. The following enrollments must be in place and all transactions and activities must post and settle to your WBT Interest 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 in to online banking; and (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. If qualifications are met during each Monthly Qualification Cycle: (1) 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; (2) Daily balances up to and including $30,000 in your WBT Interest Checking account earn an interest rate of 2.00% resulting in an Annual Percentage Yield (APY) of 2.02%; and daily balances over $30,000 earn an interest rate of 0.65% on the portion of the balance over $30,000, resulting in a 2.02% to 1.06% APY depending on the account balance. Interest and ATM fee reimbursements will be credited to the account on the last day of the current statement cycle. When your WBT Interest Checking account qualifications are not met, the interest rate earned on the account’s entire balance will be 0.05% resulting in an APY of 0.05% 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. 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. Please refer to the account’s Truth-in-Savings disclosure for more information and for activities that do not count toward earning account rewards. APY = Annual Percentage Yield. APYs accurate as of 02/10/2025. APY calculations are based on an assumed balance of $100,000 in your WBT Interest account and an assumed statement cycle of thirty (30) days. Rates may change after account is opened without notice to you. Fees could reduce the earnings on the account.

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 Interest 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