Personal Checking Accounts
We 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.
Bonus Banking Account
- Minimum opening deposit $100
- $8.95 monthly service charge
- $10,000 AD&D Insurance
- $5,000 ID Theft Insurance
- Free Payment Card Protection
- Everyday Rebates
- Cash Rewards
- Online Savings
- Free E-statements
- Free Debit Card
- Free Internet Banking and Bill Pay
- Free Notary Service
- No fee for Traveler's Checks
- Free Club Checks ($5 if another wallet style is chosen)
NOW Account
- Minimum opening deposit $1,000
- $10 monthly service charge if daily balance falls below $1,000
- Competitive interest rate
- Unlimited check-writing privileges
- Free E-statements
- Free Debit Card
- Free Internet Banking and Bill Pay
E-Plus Checking
- Minimum opening deposit $100
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Competitive interest when requirements are met:
- Sign up for Internet Banking
- Receive E-statements
- Have a Direct Deposit or ACH Debit each statement cycle
- Use debit card a minimum of 8 times per statement cycle (ATM withdrawals do not qualify)
- If requirements are not met and daily balance falls below $500, there will be a $6 monthly service charge
- Balances above $25,000 will earn a lower rate of interest
- Free first order of E-Plus checks
- Nationwide ATM Fee reimbursement (fees refunded upon receipt delivery to a WAB branch within 30 days of transaction date up to $20 per statement cycle)
Direct One Checking
- Minimum opening deposit $25
- No charge with Direct Deposit or Debit Card or E-statements
- If at least one of the above requirements is not met, an $8 monthly service charge will apply
- No minimum balance
- Unlimited check-writing privileges
- Free Internet Banking and Bill Pay
- Free Debit Card
- Free E-statements
Select Gold Account
- Minimum opening deposit $100
- For customers age 50 and better
- $7 monthly service charge if daily balance falls below $100
- Interest bearing when combined with a NOW account
- Unlimited check-writing privileges
- No per-check fees
- Free Debit Card
- Free Direct Deposit
- Free Internet Banking and Bill Pay
- Free E-statements
- Free Select Gold Club Checks ($5 if another wallet style is chosen)
Spirit Checking
- Minimum opening deposit $25
- Designed for students, local school personnel and active military personnel
- No minimum balance
- No monthly service charge
- Free Spirit checks ($5 if another wallet style is chosen)
- Free Debit Card
- Free Internet Banking and Bill Pay
- Free E-statements
Fresh Start Checking
Perfect for customers who have been denied opening a traditional checking account. Avoid high check cashing fees and more with West Alabama Bank’s Fresh Start Checking.
- Minimum opening deposit of $100
- $10 monthly service charge
- Free Internet Banking
- Free Bill Pay
- Free E-statements
- Free Mobile Moneyy
Prestige Money Market Account
- Minimum opening deposit $2,000
- $10 monthly service charge if daily balance falls below $2,000
- Free E-statements
- Free Internet Banking and Bill Pay
- Free first order of wallet checks
- Three tiered rates - $2,000–$9,999; $10,000–$24,999; $25,000 and up
- Make up to six preauthorized, automatic or telephone transfers per statement cycle. Six transfers may be payable to third parties with check, draft or Debit Card. A $10 fee will apply if these limitations are exceeded.
