Wilson & Muir Bank & Trust Co.

Checking Accounts

Checking Packages

Checking Page Image

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

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:**

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.

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.

* 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:**

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.

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.

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

Advantage Package

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:**

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.

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.

* 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:**

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.

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. 

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