Checking Accounts
Regular Flat Fee Checking
Small Business Checking
Commercial Checking
Free Checking
Club/Advantage Checking
55 Advantage Checking
NOW Accounts
Super NOW Accounts
Money Market Accounts

24 Hour Telephone Banking
888-296-9982
229-365-7351

Checking Accounts

At Wilcox County State Bank, we value convenience and personal service.  With that in mind, we offer a wide range of checking accounts to fit your needs.

Regular Flat Fee Checking

Minimum to open $100.00
Monthly maintenance fee $5.00
Statement period monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

Small Business Checking

Minimum to open      $100.00
Monthly maintenance fee $10.00
Statement period monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

Commercial Checking*

Minimum to open   $100.00
Monthly maintenance fee $30.00
Statement period monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

*This only applies to certain types of commercial accounts.

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Free Checking*

Minimum to open   $  25.00
Statement period monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

*Requires at least one monthly direct deposit to the account and E-statements.

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Club/Advantage Checking

Minimum to open $100.00
Monthly maintenance fee varies depending on plan selected below
  Basic plan  Personal Plan  Family Plan
Cost $4.00 $5.00 $6.00
Benefits:      
Member   $10M AD&D * $20M AD&D * $20M AD&D *
Spouse n/a n/a $10M AD&D
Dependent children n/a n/a $ 1,500 each
*Joint account coverage will be divided equally among all members.
Statement period monthly
Check printing fee – no charge on WCSB select check design  
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

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55 Advantage Checking

(at least one account owner must be 55 or older)

Minimum to open $100.00
Balance requirement n/a
Monthly maintenance fee n/a
Per check charge n/a
Account earns interest based on rate set by bank Contact WCSB for details
Annual percentage yield (APY) Contact WCSB for details
Interest computation method  average daily balance*
Statement period monthly
Interest compounding frequency monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Check printing fee – no charge on WCSB select check design  
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.

If you close your account before interest is credited, you will receive the accrued interest.

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NOW Accounts

Minimum to open $800.00
Balance requirement to avoid service charge $800.00
Monthly maintenance fee if balance falls below $800 $ 5.00
Per debit charge if balance falls below $800 $ 0.15
Account earns interest based on rate set by bank Contact WCSB for details
Annual percentage yield (APY) Contact WCSB for details
Interest computation method average daily balance*
Statement period monthly
Interest compounding frequency monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.

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Super NOW Accounts

Minimum to open $1,000.00
Balance requirement to avoid service charge $1,000.00
Monthly maintenance fee if balance falls below $1,000 $ 6.00
Per debit charge if balance falls below $1,000 $ 0.15
Account earns interest based on rate set by bank Contact WCSB for details
Annual percentage yield (APY) Contact WCSB for details
Interest computation method average daily balance*
Statement period monthly
Interest compounding frequency monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.

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Money Market Accounts

Minimum to open $1,000.00
Balance requirement to avoid service charge $1,000.00
Monthly maintenance fee if balance falls below $1,000 $ 5.00
Per debit charge if balance falls below $1,000 $ 0.20
Account earns interest based on rate set by bank Contact WCSB for details
Annual percentage yield (APY) Contact WCSB for details
Interest computation method average daily balance*
Statement period monthly
Interest compounding frequency monthly
Overdraft/NSF fee (per item) $  30.00
Return Item fee (per item) $  30.00
Stop payment fee (per order) $  30.00
Dormant Account fee $5 per month up to 12 months, after 12 months of inactivity

Transaction limitation:
During any statement cycle, you may not make any more than six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order.  If you exceed the limitations set forth above, your account shall be subject to closure.

Additional Terms:
During any statement cycle, each 3rd party transaction over six (6) will incur a charge of $2 per transaction. 

*The average daily balance is determined by adding the full amount of principal in the account for each day of the period and dividing the figure by the number of days in the period.

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