Personal Checking Accounts
Basic Checking
Our Basic Checking option offers you a no fuss solution for your personal banking needs. Write as many checks as you need, or use your MasterCard Debit Card wherever it is accepted. Many digital services included such as Free Online Banking with Free Bill Pay.
- $50 Minimum to Open
- Overdraft Protection up to $600*
- Non-interest Bearing
- Maintain a $500 Minimum balance to Avoid $5.00 Monthly Service Charge
- Opt-in to receive Electronic Statements to Avoid $3.00 Paper Statement Fee
- Unlimited check writing
- Free MasterCard Debit Card
- Free use of WNB ATM Machines
- Free notary services
- Free online banking and billpay
- Free Mobile Banking
- Free e-Statements
- Tele Bank
- Direct Deposit available
- Night Deposit available
- FDIC Insured
* Accounts will be charged the standard Overdraft fee of $27.50 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27.50 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to The Waggoner National Bank of Vernon or if your account is subject to any legal or administrative order or levy.
Rewards Checking
Keep your money working for you all the time with this free high yield checking account.
Earn 2.02% APY* and get ATM fee refunds* too!
Features:
- 2.02% APY* on balances up to $25,000
- 2.02% – 0.25% APY on balances over $25,000 depending on balance in account*
- If goals aren't achieved, you still earn 0.05% APY*
- No monthly maintenance fee
- No minimum balance to earn rewards
- First fifty (50) checks free
- Unlimited check writing
- Free notary services
- Nationwide ATM fees refunded* (up to $25 per cycle)
- Free MasterCard Debit Card
- Free use of WNB ATM machines
- Free Online Banking and Billpay
- Free E-Statements
- Free Mobile Banking
- Overdraft Privilege** up to $600
- Tele Bank
- Direct Deposit available
- Night Deposit available
- $50 to open
- FDIC Insured
Goals:
In order to earn the highest interest rate and ATM fee refunds, simply do these three things during each monthly qualification cycle:
- Have at least 10 MasterCard Debit Card purchases post and settle the account
- Have at least one direct deposit or pre-authorized ACH electronic payment post and settle the account
- Be enrolled and receive E-Statement notice
*APY=Annual Percentage Yield. APYs accurate as of 10/25/2022. Rates may change after account is opened. Fees may reduce earnings. Personal accounts only. Limit one account per SSN. Minimum to open is $50. No minimum balance to earn rewards. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 per monthly qualification cycle and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.02%; and (3) balances over $25,000 earn 0.25% interest rate on portion of balance over $25,000, resulting in 2.02% - 0.25% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.
** Accounts will be charged the standard Overdraft fee of $27.50 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27.50 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to The Waggoner National Bank of Vernon or if your account is subject to any legal or administrative order or levy.
The Club®
Become a part of The Club®! Get a great checking account, the full line of premium services, and even complimentary insurance. It's everything you could want in a checking account and more.
Features:
- No minimum balance
- Unlimited check writing
- Free MasterCard Debit Card
- Free use of WNB ATM machines
- Check images returned in monthly statements
- Overdraft Privilege* up to $600
- Free The Club® personalized checks or discount on other check styles
- Free money orders, and cashier's checks
- Free notary services
- Free Online Banking
- Free Online Billpay
- Free e-Statements
- Free Mobile Banking
- Free Key Ring
- Payment Card Protection
- Tele Bank
- Direct Deposit available
- Night Deposit available
- Savers Club book full of travel savings
- Free subscription to Sojourn Magazine
- Free safekeeping of wills
- Monthly Service Charge: $8.50 (standard) or $10.50 (family)
- FDIC insured
- $50 to open
- $10,000 24-hour Accidental Death and Dismemberment and $20,000 scheduled Airline Insurance for standard plan. (For family plan, increases to $20,000 AD&D and $2,500 for spouse not already covered on account & each dependent child, and $100,000 scheduled airline insurance.)**
* Accounts will be charged the standard Overdraft fee of $27.50 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27.50 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to The Waggoner National Bank of Vernon or if your account is subject to any legal or administrative order or levy.
**Coverage is divided equally among owners of joint accounts. Death benefit reduces by half at age 70.
Senior Advantage
Customers 60 years and older can take advantage of an interest bearing account with a great line of additional services.
- Offered to our Customers 60 years of age and older
- $50 Minimum deposit to open
- Interest Bearing*
- Free Cashier’s Checks and Money Orders
- Overdraft Protection up to $600**
- $10 Discount on Safe Deposit Box Rental
- Discounted Checks, $5.00 for Senior Advantage Checks
- Unlimited check writing
- Maintain a $250 Minimum balance to Avoid $2.00 Monthly Service Charge
- Opt-in to receive Electronic Statements to Avoid $3.00 Paper Statement Fee
- Free notary services
- Direct Deposit available
- Night Deposit available
- Free Online Banking
- Free Online Billpay
- Free e-Statements
- Tele bank
- Free Mobile Banking
- Free MasterCard Debit Card
- FDIC Insured
*Interest rate and annual percentage yield may change at bank’s discretion.
**Accounts will be charged the standard Overdraft fee of $27.50 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27.50 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to The Waggoner National Bank of Vernon or if your account is subject to any legal or administrative order or levy.
Super WIN Checking
This super account will make you feel like a real winner! Get an interest rate that leaps buildings in a single bound, unlimited check writing, and premium benefits.
Features:
- Interest bearing*
- Interest compounded and added monthly
- $10 service fee waived on balances that don't fall below $1,000
- Free notary service
- Unlimited check writing
- Free MasterCard Debit Card
- Free use of WNB ATM machines
- Check images returned in monthly statements
- Overdraft Privilege** up to $600
- Free money orders and cashier's checks
- Free Online Banking
- Free Online Billpay
- Free Mobile Banking
- Free e-Statements
- Tele Bank
- Direct Deposit available
- Night Deposit available
- FDIC insured
- $50 to open
* This is a variable rate account. Interest rate and annual percentage yield may change at bank's discretion.
** Accounts will be charged the standard Overdraft fee of $27.50 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $27.50 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to The Waggoner National Bank of Vernon or if your account is subject to any legal or administrative order or levy.
