Checking

Whether you want a simple checking account or one with lots of benefits and special features, we’re sure we have an account that’s perfect for your unique needs and expectations.

Few banks offer as many checking account options as the Bank of Winnfield – where you’ll find nine different types of accounts to choose from. These range from regular checking for those with minimal monthly transactions to interest-bearing accounts, money market accounts, special accounts for seniors, and much more.

VISA debit cards are available with all checking accounts, making it fast and easy to make purchases at virtually any business establishment. If you are not interested in getting the VISA debit card, the Bank of Winnfield ATM (Kitty) card is also available for checking and savings so you can make withdrawals, balance inquiries, and transfers between accounts at ATM locations nationwide.

Bank of Winnfield VISA Debit Cards and Bank of Winnfield ATM (Kitty) Cards are available with our checking accounts as a convenient and secure way for you to access your funds from anywhere.


Account Types

  • Regular Personal Checking

    If you write a limited number of checks each month, our regular checking account may meet your needs. If you maintain the required daily minimum balance, your account will not be charged a monthly service charge.

    Minimum Balance Service Charge
    More than $1,000
    No charge
    $751-$1,000 $5
    $501-$750 $6
    Less than $500 $7
      Minimum to open $100
      $25 fee for accounts closed within 90 days
  • Prestige Club Checking

    A Club checking account is ideal if you want more than just a checking account. Prestige Club checking offers financial, security, travel, health and savings benefits at a low monthly charge.

      Minimum to open $100
      Unlimited check writing privileges
      Free checks (3 boxes per year)*
      $8 monthly service charge
      $7 monthly service charge for seniors
      $25 fee for accounts closed within 90 days
  • Prestige Plus Club Checking

    A Prestige Plus Club account offers you even more benefits than those offered in our Prestige Club account.

      Minimum to open $100
      Unlimited check writing privileges
      Free checks (unlimited)*
      $10 monthly service charge
      $9 monthly service charge for seniors
      $25 fee for accounts closed within 90 days
  • Prestige Interest

    This account option gives you both an interest bearing account and the benefits of our Prestige Plus Club account.

      Minimum to open $100
      Minimum balance $1,500
      Unlimited check writing privileges
      Free checks*
      $10 monthly service charge
      $9 monthly service charge for seniors
      Balances below the $1,500 minimum during the statement cycle are charged an additional $8.50 service charge
      $25 fee for accounts closed within 90 days
  • NOW Account

    The NOW Account is a good option if you want both an interest bearing account and check writing privileges.

      Minimum balance $1,500
      Balances below the $1,500 minimum during the statement cycle are charged an $8.50 service charge
      Partnerships and corporations are prohibited by law from having NOW accounts
      $25 fee for accounts closed within 90 days
  • SUPER NOW Account

    The ideal choice if you want both checking account privileges and a higher paying interest-bearing account.

      Minimum balance $10,000
      Balances below the $10,000 minimum during the statement cycle are charged a $7.50 service charge
      Partnerships and corporations are prohibited by law from having SUPER NOW accounts
      $25 fee for accounts closed within 90 days
  • Money Market Investment Account

    You will earn a higher rate of interest by opening a Money Market Investment Account. Service charges are based on your minimum monthly balance.

    Minimum Balance Service Charge
    $2,500 or more No charge
    Less than $2,500 $5
      Minimum to open $100
      Monthly statements
      Withdrawals may be made in person, by messenger, by mail, or ATM (Kitty) any number of times per month. Other withdrawals are restricted by law. Withdrawals exceeding these restrictions cost $15 per item.
      $25 fee for accounts closed within 90 days
  • Golden Elite Checking

    This non-interest bearing checking account is available to you if you are 62 and over. There is no base charge on our Golden Elite account regardless of balance.

      Minimum to open $100
      No base charge
      $25 fee for accounts closed within 90 days
  • Electronic Transfer Account

    The Electronic Transfer Account is a non-interest bearing account available to anyone receiving a Federal payment and who elects to receive the payment electronically (by ACH).

      $3 monthly service charge
      No checks can be written on this account and ACH debits are not allowed
      ATM cards are available, allowing both withdrawals and Point of Sale purchases
      Withdrawals may be made in person or by ATM card
      Ten withdrawals can be made in person on the account at no charge. Additional withdrawals cost $1 per withdrawal. Additional deposits are allowed and monthly statements are provided for these accounts.
      A $10 fee will be assessed for each NSF/OD item on this account
      $25 fee for accounts closed within 90 days
*Restrictions apply to check type and design