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Accounts

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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 and enlisted military personnel with this special account designed for them.

  • Minimum opening deposit $25
  • No minimum balance
  • No monthly service charge
  • Free Spirit Checks
  • Internet Banking & Bill Pay
  • Debit Card*
  • Mobile Banking*
  • E-statements


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

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


E-Plus Checking

 

Earning a great rate has never been so convenient. All you have to do is meet the following account requirements and you will earn a competitive rate of interest. Customer must:

  • Minimum opening deposit $25
  • Competitive interest when requirements are met:
    • Sign up for Internet Banking
    • Receive E-statements
    • Have a Direct Deposit or ACH Debit/Credit each statement cycle
    • 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 $1,000, there will be an $8 monthly service charge
  • Balances above $25,000 will earn a lower rate of interest
  • Foreign ATM Fee reimbursement
  • Bill Pay
  • Debit Card*
  • Mobile Banking*

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


Direct One Checking

 

This account is designed with convenience in mind. With this account, the conveniences are endless.

  • Minimum opening deposit $25
  • $8 monthly service charge if one of the following requirements is not met per statement cycle:
    • Direct Deposit or
    • Debit Card* with a minimum of 8 posted debit card transactions per statement cycle (ATM withdrawals do not qualify) or
    • E-statements
  • No minimum balance
  • Internet Banking & Bill Pay
  • Mobile Banking*

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

Select Gold Account

 

We've created an exceptional account just for our customers age 60 and better.

  • Minimum opening deposit $100
  • $8 monthly service charge if daily balance falls below $100
  • Debit Card*
  • Internet Banking & Bill Pay
  • Mobile Banking*
  • E-statements
  • Free Select Gold Checks

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

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
  • Internet Banking & Bill Pay
  • E-statements
  • Mobile Banking*
  • 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. Effective April 1, 2023.

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

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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 - $250
  • $10 quarterly service charge with balance less than $250
  • 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.


Select Gold Savings Account


Designed to complement our Select Gold Checking account, this savings plan is for our customers age 60 or better, featuring all the benefits of our Regular Savings account with an even higher rate of interest.

  • Minimum opening deposit - $100
  • $10 quarterly service charge with balance less than $250
  • 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.



Christmas Club Account

 

With automatic deposits, this account takes the stress out of saving money for the festive holiday season.

  • Minimum opening deposit - $10
  • Interest is compounded annually
  • Fee assessed when account is closed within 6 months of opening
  • $3.00 fee per transaction after ten withdrawals per quarter1
  • Accrued interest is forfeited if account is closed before interest is paid

1Excessive withdrawals over the limit may result in fees and/or account closure. 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.

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