Personal Banking

Washita Valley Bank is a full service bank that offers many products to fit your personal banking needs.

REGULAR CHECKING: Our regular checking accounts have a maintenance Fee of $2.50 per month. This fee is waived if you choose to accept receipt of all statements online. If you have a need to print statement through us, there is a $5.00 charge per month. Washita Valley Bank charges .15 cents per check.  Your account will be credited .10 cents for every average $100 on deposit. This credit will not exceed your monthly service charge. There is no charge for deposits. If there is only one check written per month, and no other activity, there will be no maintenance fee.

Debit Card available for additional $2.00 ATM maintenance fee. This charge covers replacement cards, PIN reset, and all fraud monitoring through the STAR network.

There is a minimum balance of $100.00 to open a checking account. Check pricing will depend on the checks that you order. See Margarite Marshall or Marsha Clift for more information.


Washita Valley Bank also offers a plan for unlimited use of your account. We will charge a flat maintenance Fee of $10.00 which includes unlimited check transactions plus Debit Card. A printed monthly statement provided.

65+ REGULAR CHECKING: Persons aged 65 or older will be given a 50% discount on their regular checking account service charge.

PASSBOOK SAVINGS: The passbook savings accounts have no minimum deposit to open. Interest on the account is accrued daily. The interest is credited and compounded on June 30 and Dec. 31 (semi-annually). There is a limit of 3 withdrawals per month. If the limit is exceeded, there will be a $1.00 Maintenance fee per withdrawal.

MONEY MARKET/HI-Fl DEPOSIT ACCOUNT CHECKING: All customers are eligible. There is a $2,500.00 minimum deposit to open account. $2,500.00 average monthly balance required. Interest accrued daily, credited and compounded monthly. Statement made on first working day after the 3rd. Transfers from this account to another account or to third parties by check, draft, or similar order, preauthorized, automatic, or telephone transfers are limited to 6 per statement. If transfers exceed the limit or if the account falls below the
minimum balance, a maintenance fee of $10.00 plus $1.00 per debit transaction will be charged.

NOW ACCOUNT CHECKING: NOW Accounts have a $2,000.00 minimum deposit to open account. $2,000.00 minimum average monthly balance required. Interest is accrued daily, credited and compounded monthly. If balance falls below minimum, a Maintenance fee of $10.00 and per item fee of .20 cents per NON-ELECTRONIC FUND TRANSFER debit transaction will be charged. Statement is made on the 1st or 2nd working day after the 3rd.

WE UTILIZE THE DAILY BALANCE METHOD TO CALCULATE INTEREST ON ALL INTEREST BEARING ACCOUNTS. We will begin to accrue interest on the first business day after the banking day you deposit noncash items (for example, checks).

SEE CURRENT RATE SHEET FOR ANNUAL PERCENTAGE YIELDS. Current Rate Sheets may be found in the lobby of the Washita Valley Bank or by calling a bank representative.

**(fees may affect your APY)

VARIABLE RATE ACCOUNTS At our discretion Interest Rates may change at any time.

About your Account | Business Accounts

DEBIT CARD/ATM CARD: 24 Hour ATM Service is available at the entrance of the Bank. Service Fee at other ATMs will vary by Institution, usually $1.00 to $2.00 per transaction. The Washita Valley Bank will not charge for use of a different ATM. The debit card has set daily limits for cash withdrawals and point of sale charges. New cards may be able to be printed in house if needed. A charge may be processed from your account for card reprints. Please click here for more information. Please see Joyce Bellamy for more information.

INSUFFICIENT FUNDS CHARGE: We will charge $15.00 Per debit item that overdraws the account $15.00 or more. This fee applies to all insufficient item that are created by check, in person withdrawal.

**** You may elect to set-up an automatic transfer from another account you own. (i.e. Savings account or Checking account). The fee for this auto-transfer is $5.00 per transfer.

STOP PAYMENT/CAUTION: $15.00 Per request.

For current rates or more information on the account services that we offer, contact Margarite Marshall at 405-643-2305