Personal Checking Accounts

Checking Accounts

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.

Benefit Checking 

Benefit Checking gives you a wealth of benefits that will help you bank smarter, save money, and protect yourself and your family, all for an $8.95 monthly service charge. Your Benefit Checking includes:

  • $25 opening deposit
  • E-statements
  • Debit Card*
  • Internet Banking and Bill Pay
  • Mobile Money*
  • Free Benefit Club Checks
  • $10,000 Accidental Death & Dismemberment Insurance¹
  • $5,000 Identity Fraud Expense Reimbursement Coverage with Resolution Service¹
  • 3-in-1 Credit File Monitoring
  • Triple Bureau Credit Report
  • Single Bureau Credit Score
  • Cellular Telephone Protection¹
  • Travel and Entertainment Discount Membership
  • Gas & Gift Card Discounts

¹Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or by the bank or any bank affiliate.

 

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
  • Internet Banking & Bill Pay
  • E-statements
  • Debit Card*
  • Mobile Money*

 

E-Plus Checking 
  • Minimum opening deposit $100
  • Competitive interest when requirements are met:
    1. Sign up for Internet Banking
    2. Receive E-statements
    3. Have a Direct Deposit or ACH Debit each statement cycle
    4. Have a minimum of 8 posted debit card transactions 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 wallet Checks
  • Nationwide ATM Fee reimbursement (if account requirements are met, fees will be refunded upon receipt delivery to a WAB branch within 30 days of transaction date. Reimbursements 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
  • Internet Banking & Bill Pay
  • Mobile Money*
  • Debit Card*
  • 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
  • Debit Card*
  • Internet Banking & Bill Pay
  • Mobile Money*
  • E-statements
  • Free Select Gold Club Checks
Select Gold NOW Account
  • Minimum opening deposit $1,000
  • For customers age 50 or better
  • $10 monthly service charge if balance falls below $1,000
  • Unlimited check-writing privileges
  • Internet Banking & Bill Pay
  • E-statements
  • Debit Card*
  • Mobile Money*
  • Free Select Gold Club Checks
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
  • Internet Banking & Bill Pay
  • Debit Card*
  • Mobile Money*
  • E-statements

    Account holders less than 19 years of age must have parent or guardian on the account. 

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
  • Internet Banking & Bill Pay
  • E-statements
  • Mobile Money*
Prestige Money Market Account 
  • Minimum opening deposit $2,000
  • $10 monthly service charge if daily balance falls below $2,000
  • E-statements
  • Mobile Money*
  • Free first order of Prestige 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.

Excessive withdrawals over the limit may result in fees, account closure, change of account type, termination of transfer capability or other remedial action.  See account disclosure for full details. 

*Restrictions and overdraft fees may apply with a West Alabama Bank debit card.  Standard messaging rates and web access fees may apply with Mobile Money.