Personal Services

Checking Packages

Most banking relationships revolve around a simple checking account. We'll find one that's right for you. Next, we'll look for additional products and services that help you achieve your goals. Our four packages are Banclub® Plus, Free & Easy, Advantage and our Premium Account.

Banclub Plus Package

is for customers who want to combine the full complement of products and services offered at Wilson & Muir Bank into a single package.

Banclub Plus® Checking
Banclub Plus Checking offers unlimited check writing, FREE check image statements, and no minimum balance. Additional club benefits include AD&D Insurance, Date Reminder Service, Identity Theft Insurance, Key Ring Registration, Payment Card Protection, Medical Emergency Data Card, plus a Savers Club Booklet with discounts on travel, entertainment and more..

Cash Reserve Overdraft Protection*
offers you a line of credit that protects you from overdrawing your checking account.

Free Online Banking and Free Bill Pay:**
Manage your accounts, transfer funds and pay bills anytime, any place.

Free Visa® Check Card:*
This card may be used as an ATM card or for point of sale purchase transactions.

Maximum Advantage Savings
Maximum Advantage Savings offers you a tiered interest rate that increases as the balance of your account gets larger. Interest is compounded monthly and paid monthly. Withdrawal limitations may apply.

Money Market Advantage
Money Market Advantage is a savings account that offers check writing privileges, as well as a tiered rate that increases as the balance in your account gets larger or interest is compounded monthly and paid monthly.Withdrawal limitations may apply.

Visa® Gold Credit Card:*
You'll pay no annual fee for this credit card.

Home Mortgage Loan Programs*
Home mortgage loan programs are designed to enable you to finance the construction or purchase of your new home, refinance your current mortgage to take out additional equity or favorably change the terms of your loan. We offer both fixed and variable rate mortgages with minimal closing costs. Rates and terms are flexible. We make the process quick and easy.

Home Equity Loans or Lines of Credit*
Home equity loans or lines of credit are personal and are secured by the equity in your personal residence. WMB can help you save money!

* Upon qualification
** Minimum of five transactions per month required

Free & Easy Package

Free and Easy is our simplest banking package and offers free checking, as well as a variety of easy banking services.

Free & Easy Checking
Free & Easy Checking offers no minimum balance, plus unlimited check writing, no monthly service fee, and a simplified monthly statement.

Cash Reserve Overdraft Protection*
Cash Reserve Overdraft Protection offers you a line of credit that protects you from overdrawing your checking account.

Free Online Banking and Free Bill Pay:**
Manage your accounts, transfer funds and pay bills anytime, any place.

Free Visa® Check Card:*
This card may be used as an ATM card or for point of sale purchase transactions.

Maximum Advantage Savings
Maximum Advantage Savings offers you a tiered interest rate that increases as the balance of your account gets larger. Interest is compounded monthly and paid monthly. Withdrawal limitations may apply.

Money Market Advantage
Money Market Advantage is a savings account that offers check writing privileges, as well as a tiered rate that increases as the balance in your account gets larger. Interest is compounded monthly and paid monthly. Withdrawal limitations may apply.

Visa® Gold Credit Card:*
You'll pay no annual fee for this credit card.

Home Mortgage Loan Programs*
Home Mortgage Loan Programs are designed to enable you to finance the construction or purchase of your new home, refinance your current mortgage to take out additional equity or favorably change the terms of your loan. We offer both fixed and variable rate mortgages with minimal closing costs. Rates and terms are flexible. We make the process quick and easy.

Home Equity Loans or Lines of Credit*
Home Equity Loans or Lines of Credit are personal and are secured by the equity in your personal residence. WMB can help you save money!

* Upon qualification
** Minimum of five transactions per month required

Advantage Package

is perfect for customers that have a broader financial relationship with the bank and are looking for more benefits.

Advantage Checking
Advantage Checking offers unlimited check writing, free check image statements, and no monthly service charge if a $500 balance is maintained. This account is free for customers 50 years of age or older.

Free Email Statements

Cash Reserve Overdraft Protection*
Cash Reserve Overdraft Protection offers you a line of credit that protects you from overdrawing your checking account.

Free Online Banking and Free Bill Pay:**
Manage your accounts, transfer funds and pay bills anytime, any place.

Free Visa® Check Card:*
This card may be used as an ATM card or for point of sale purchase transactions.

Maximum Advantage Savings
Maximum Advantage Savings offers you a tiered interest rate that increases as the balance of your account gets larger. Interest is compounded monthyly and paid monthly. Withdrawal limitations may apply.

Money Market Advantage
Money Market Advantage is a savings account that offers check writing privileges, as well as a tiered rate that increases as the balance in your account gets larger. Interest is compounded monthly and paid monthly. Withdrawal limitations may apply.

Visa® Gold Credit Card:*
You'll pay no annual fee for this credit card.

Home Mortgage Loan Programs*
Home Mortgage Loan Programs are designed to enable you to finance the construction or purchase of your new home, refinance your current mortgage to take out additional equity or favorably change the terms of your loan. We offer both fixed and variable rate mortgages with minimal closing costs. Rates and terms are flexible. We make the process quick and easy.

Home Equity Loans or Lines of Credit*
Home Equity Loans or Lines of Credit are personal and are secured by the equity in your personal residence. WMB can help you save money!

* Upon qualification
** Minimum of five transactions per month required

Premium Package

Premium Package is designed for customers that keep higher balances in the bank and want to receive higher interest rates on these funds.

Premium Advantage Checking
Premium Advantage Checking is an interest bearing account that features unlimited check writing and no monthly fee if a balance of $1,000 or higher is maintained. Interest rates are tiered and will increase as the balance in the account gets larger.

Free Email Statements and Free Check Image Statements

Cash Reserve Overdraft Protection*
Cash Reserve Overdraft Protection offers you a line of credit that protects you from overdrawing your checking account.

Free Online Banking and Free Bill Pay:**
Manage your accounts, transfer funds and pay bills anytime, any place.

Free Visa® Check Card:*
This card may be used as an ATM card or for point of sale purchase transactions.

Maximum Advantage Savings
Maximum Advantage Savings offers you a tiered interest rate that increases as the balance of your account gets larger. Interest is compounded monthly and paid monthly. Withdrawal limitations may apply.

Money Market Advantage
Money Market Advantage is a savings account that offers check writing privileges, as well as a tiered rate that increases as the balance in your account gets larger. Interest is compounded monthly and paid monthly. Withdrawal limitations may apply.

* see withdrawal limitations

Visa® Gold Credit Card:*
You'll pay no annual fee for this credit card.

Home Mortgage Loan Programs*
Home mortgage loan programs are designed to enable you to finance the construction or purchase of your new home, refinance your current mortgage to take out additional equity or favorably change the terms of your loan. We offer both fixed and variable rate mortgages with minimal closing costs. Rates and terms are flexible. We make the process quick and easy.

Home Equity Loans or Lines of Credit*
Home equity loans or lines of credit are personal and are secured by the equity in your personal residence. WMB can help you save money!

* Upon qualification
** Minimum of five transactions per month required

poat_photo

It still amazes me how wonderful our customers are. If they only knew how much they are appreciated and respected here at Wilson & Muir Bank we would not have enough banks to contain them. I am proud to serve our community with a family that’s just not "all Bank", but we are all family helping families and that Why it's My Bank!

Pam Poat,
Teller, Leitchfield
Cash Management Home Mortgage Personal Loans FDIC