Personal Checking and Savings Accounts

Checking

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.

Spirit Checking

We show our spirit and support for students, local school personnel, first responders and enlisted military personnel with this special account designed just for them.

Minimum opening deposit $25
No minimum balance
No monthly service charge
(1) free Spirit check order per calendar year.
Online Banking & Bill Pay
Mobile Banking*
Debit Card*
E-statements*
Unlimited Check Writing

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

*Standard messaging rates and web access fees may apply with Mobile Banking. Restrictions and overdraft fees may apply with a West Alabama Bank debit card. Enroll in e-statements to avoid a $3 paper statement fee per statement cycle.

E-Plus Checking

Earning a great rate has never been so convenient.

Minimum opening deposit $100
$10 monthly service charge if daily balance falls below $5,000
Interest Bearing
Balances above $25,000 will earn a lower rate of interest
Automatic refund of other banks' ATM fees (no limit per statement cycle)
Online Banking & Bill Pay
Mobile Banking*
Debit Card*
E-statements*
Unlimited Check Writing

Direct One Checking

This account is designed with convenience in mind. Perfect for those who receive a monthly direct deposit.

Minimum opening deposit $25
$5 monthly service charge applies if one of these requirements are not met:
Monthly direct deposit of $25 or more
OR
(1) Posted Debit Card transaction per statement cycle
Online Banking & Bill Pay
Mobile Banking*
Debit Card*
E-statements*
Unlimited Check Writing

Select Account

We've created an exceptional account just for customers with higher balances and added convenience.

Minimum opening deposit $100
$5 monthly service charge if daily balance falls below $2,500
(2) Free Boxes of Select Checks per calendar year
Automatic refund of other banks' ATM fees (up to $20 max per statement cycle)
Online Banking & Bill Pay
Mobile Banking*
Debit Card*
E-statements*

Prestige Money Market Account

Maximize your assets with this premier money market account.

Minimum opening deposit $2,000
$10 monthly service charge if daily balance falls below $2,000
Online Banking & Bill Pay
Mobile Banking*
E-statements
Free first order of Prestige Checks
Three tiered interest rates - $2,000–$9,999; $10,000–$24,999; $25,000 and up
After 6 withdrawals per statement cycle, a $3 fee per withdrawal will be assessed.

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

Pay your bills online by scheduling one-time or recurring payments.

Here's How

Savings

We make it easy to get into the habit of setting aside money. With a little help from one of our many savings account options, you’ll have money for the future or simply a rainy day.

Regular Savings Account

When building a healthy savings becomes a priority, you start noticing all the tools available to help you achieve your goals, like our Regular Savings Account. It’s easy to maintain, low-cost and works seamlessly to keep you on the path to abundance.

Minimum opening deposit - $100
$10 quarterly service charge with daily balance less than $100.
Interest paid quarterly
Accrued interest is forfeited if account is closed before interest is paid
Quarterly statements
$3.00 fee per transaction after ten withdrawals per quarter¹

¹Excessive withdrawals over the limit may result in fees. See account disclosure for full details.

Piggy Bank Savings Account

Designed just for kids up to age 15, this account teaches children the importance of saving money while making it fun and easy.

No minimum opening deposit
Quarterly statements
Accrued interest is forfeited if account is closed before interest is paid.
Interest paid quarterly
$3.00 fee per transaction after ten withdrawals per quarter¹

Account holders must have parent or guardian on the account.

¹Excessive withdrawals over the limit may result in fees. See account disclosure for full details.

Certificate of Deposit (CD)

A CD offers a smart and convenient way to save. Your investment is easily converted into cash at the end of the term you select, available from 91 days to five years.

Minimum opening deposit - $1,000
Early withdrawal penalties may apply.
See account disclosure for full details.

Individual Retirement Account (IRA)

We offer a variety of IRA investing plans – from traditional to self-directed IRAs. Talk with your tax advisor about which type of IRA best suits your investment needs and let us help you reach your goals.

Traditional IRA
Simplified Employee Pension (SEP) Plans
Roth IRA
Education IRA

Enjoy fast, safe delivery of your bank statements and secure storage.

Here's How