Woman using tablet in living room

WBT Saver

A little extra effort can bring some pretty big rewards


Do you have to jump over a few hurdles to earn our highest savings rate? Yes, but they're very low hurdles - and they involve smart money management strategies. To help your money earn more, just sign up for e-Statements, use your debit card and online banking, and have a direct deposit or another electronic transfer through your WBT Cash Back account or a WBT Interest account.

  • Add a savings account to your Wilson Bank Interest Checking or WBT Cash Back checking account to earn interest
  • Earn higher interest when qualifications are met during each monthly qualification cycle*
  • No monthly service fee
  • No minimum balance to earn rewards
New to WBT?

Existing Online Banking Customers

Easy Qualifications

To qualify for our highest WBT Saver rate, you must first enroll in WBT Interest Checking or WBT Cash-Bank Checking. After that, just complete the following through your WBT Interest Checking or WBT Cash Back Checking account during each monthly qualification cycle*:

  • Have at least one direct deposit or ACH credit transaction 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 into online banking

If you don't meet your qualifications? You’ll still earn our base interest rate on WBT Saver - and you can work on qualifying again the next month.

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 Interest account or your WBT Cash Back account during each Monthly Qualification Cycle: (1)At least one 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. All qualifications must be met during each monthly qualification cycle within either a WBT Interest account or a WBT Cash Back account held in the name of one or more of the account holders of the WBT Saver account. The “Monthly Qualification Cycle” of both the WBT Interest account and the WBT Cash Back account 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 qualification cycle will begin 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: Daily balances up to and including $10,000 in your WBT Saver account earn an interest rate of 2.00% resulting in an APY* of 2.02%; and daily balances over $10,000 earn an interest rate of 1.10% on the portion of the daily balance over $10,000, resulting in a range from 2.02% to 1.20% APY depending on the account’s balance. Interest and ATM fee reimbursements will be credited to the account on the last day of the current statement cycle. When your WBT Saver account qualifications are not met through either a WBT Interest account or a WBT Cash Back account, the interest rate earned on the WBT Saver 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.

**APY = Annual Percentage Yield. APYs accurate as of 02/10/2023. APY calculations are based on an assumed balance of $100,000 in your WBT Saver account and an assumed statement cycle of thirty (30) days. Rates may change after account is opened without notice to you. Fees could reduce 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 Saver account. Limit of 1 account per Social Security Number (SSN). 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.