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Personal ServicesA firm handshake demonstrates focus, determination, and security; the same kind of commitment West Alabama Bank shows customers, every single day. We know you have plenty of banking options; at WAB, we remain focused and determined to be the bank you can count on, time and again, to provide you with a broad range of services and options for handling your personal finances. Whether it’s Internet banking, online bill-pay service, debit cards, free checking, or more, WAB recognizes and values the trust you’ve given us—and we remain committed to finding new and innovative ways to serve you better. We deliver more than a promise – we deliver personal commitment. Checking AccountsWe have designed our checking accounts to meet your need for anytime, anywhere convenience. From basic checking to accounts paired with a variety of services, we offer something for everyone. E-Plus CheckingEarning a great rate has never been so convenient. This a checking account that will take your money to new heights. When you sign up for all the following E-Plus features, your checking balance will earn a premium rate of interest. You put your money in and watch it grow. It’s that simple.
Regular CheckingThis basic checking account lets you write as many checks as you want with no monthly fee when you maintain a minimum daily balance of $500.
Bonus Banking AccountThis bonus account is more than just checking – it includes a selection of our most-requested services for a flat monthly fee. This account includes accidental death and dismemberment insurance.
NOW AccountA negotiable order of withdrawal (NOW) account lets you earn a competitive rate of interest while enjoying unlimited check-writing privileges.
Performance AccountThis high-performance, money market account lets you earn competitive interest while giving you easy check-writing access to your funds. What’s more, when your balance increases, so does your interest rate.
Direct 1 CheckingEnjoy free checking and a wealth of other free banking services when you have your regular payroll, social security or retirement check directly deposited into your account.
Select GoldWe’ve created an exceptional account that offers special rewards just for our customers age 50 and better.
Select PlatinumThis full-service checking account offers a comprehensive package of conveniences and money-saving extras for our most experienced customers, age 50 or better. This account includes accidental death and dismemberment insurance.
Spirit CheckingWe show our spirit for local schools by offering this special checking plan that’s just for students, administrators, educators and support personnel.
Overdraft PrivilegeOverdraft Privilege is a service designed to help guard qualified customers from having transactions returned by the bank. This means that when you make an honest mistake in your checkbook, or run short of cash between paydays, or have unplanned expenses, WAB will generally pay your NSF checks. Just think of it as the bank giving you a $500 safety net. *Your Overdraft Privilege helps you avoid returned checks by making discretionary courtesy payments to cover insufficient funds up to a preset limit on checks, in-person withdrawals, ATM withdrawals and other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. (For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.) You will have 30 days to cover your overdraft amount or your privilege will be suspended. Each time your account is overdrawn, and we cover your check or withdrawal, you will be charged our customary NSF paid item fee of $35. |
