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Branch & ATM Services
Can I deposit cash or checks at the teller window?
Yes. Our tellers can help with cash and check deposits at any branch during lobby or drive-thru hours.
Do you offer safe-deposit boxes, and how do I rent one?
Safe-deposit boxes are available at select branches, and box sizes vary by location. Contact your nearest branch for details.
How do I order checks or deposit slips in person?
Stop by any branch and our team can help you reorder checks or deposit slips. You can also reorder them online through Main Street.
How long does it take for an ATM deposit to post?
Cash deposits are generally available immediately, and check deposits are generally available the first business day after we receive them. Deposits are reviewed for proper endorsement and amount, and we will let you know if a longer hold applies.
Is there a cutoff time for same-day posting on deposits?
Cutoffs depend on how you bank: Online Banking transactions by 7:00 p.m., and Mobile Deposit, Remote Deposit Capture, and incoming ACH and wire files by 6:00 p.m. (incoming ACH and wire files post throughout the day up to that cutoff). Anything after the cutoff is processed the next business day (Monday through Friday, excluding federal holidays).
What should I do if my check deposit is rejected?
If a mobile deposit is rejected, you will receive an email notification, and a replacement item will be mailed to you for redeposit.
Can I deposit cash and checks at any branch or ATM?
You can always deposit cash or checks with a teller at any branch. For ATMs, only select locations accept cash and check deposits. Visit our Locations page for more details.
How can I find holiday hours or branch closures?
Our Holiday Closures page lists the dates we are closed each year. We close for federal holidays, and we close at noon on the Friday after Thanksgiving and on Christmas Eve.
What are your branch hours, and do they vary by location?
Yes, hours vary by location. Most lobbies are open Monday through Friday, generally from 9:00 a.m. to somewhere between 3:00 p.m. and 5:00 p.m. depending on the branch. Drive-thru banking often starts at 7:30 a.m. and stays open until 6:00 p.m. Check your branch's exact hours on our Locations page.
Where can I find a fee-free ATM?
Any West Texas National Bank ATM is free to use for our customers, including our branch ATMs, our ATMs at Uncle's locations across the region, and ATMs in the Money Pass network. Use the ATM Finder to locate the nearest one. ATMs outside our network carry a surcharge, but Ultimate Checking reimburses ATM surcharges up to $20 per statement cycle when you qualify.
Did the bank sell?
No. West Texas National Bank remains independently owned, just as it always has been. The same people who have always been committed to our communities are still at the helm.
Do I need to download a new app?
No new downloads needed. The app you already have continues to work just fine. If an update does come along, your device will handle it automatically, just as it normally would.
Is my account number changing?
Your account number is staying put. Everything you have on file including account numbers, routing numbers, and automatic payments remains exactly as is.
Will I need new checks?
No need to order new ones. Your existing checks are still perfectly valid and accepted, so keep using them without any worry.
Will my banker change?
Nope. You will still work with the same local people you know and trust. Your relationships here aren't going anywhere.
Will my debit card still work?
Absolutely. Your debit card works exactly as it always has. Swipe away. Nothing has changed on your end.
Will my online banking or mobile app login change?
Your username and password stay the same. You may notice the app has a new look, but everything works exactly as it always has. You'll be right at home the moment you sign in.
How can I make same-day ACH or wire transfers?
Same-day wire transfers are available, but same-day ACH is not. Wires can be processed same day when submitted by 3pm, either as a paper wire through your branch or through Business Online Banking, both of which are set up through Treasury Management. ACH transfers submitted by 4pm are processed the next business day.
What cash-deposit services do you offer (e.g., night drop, remote deposit)?
Night drop is available at select locations. Remote Deposit Capture and Mobile Deposit let you deposit checks without a branch visit, and branch ATMs accept cash and check deposits. The same-day cutoff time for Remote Deposit Capture, Mobile Deposit, and ATM deposits is 6 p.m.
What fees are associated with Treasury services?
Treasury services carry service fees that vary by product, based on your current Terms and Conditions, and Account Analysis earnings credits can offset many of them.
What is the timeframe for setting up Treasury services?
Setup timeframes vary based on your business's specific needs and the products you request. Contact us for more details.
What monthly or annual fees apply to business accounts, and how can I waive them?
Fees vary by account. Business Image Checking has no monthly fee when you keep a $2,500 daily balance. Business Image Checking Plus is $12.00 per month. Business Image Analysis Checking has an $18.00 monthly service charge that earnings credits can reduce or eliminate. Business Savings is $7.50 per month (waived with a balance over $25,000), and the Business Money Market is $15.00 per month (waived at $2,500 or more).
What options do I have for payroll disbursement?
We offer ACH Origination for payroll processing through Treasury Management, so payments go out accurately, on time, and with less manual work.
What training or resources are available for my staff on banking tools?
Our Treasury Management team handles onboarding and training. Anyone using Wires, ACH, Remote Deposit Capture, or Positive Pay attends a training session with the Treasury team, held by video meeting or in person.
What Treasury Management services do you provide?
Our Treasury Management services include Fraud Protection (Positive Pay, payroll processing, dual authentication, and secure browser), Deposit Solutions (Remote Deposit Capture, Mobile Deposit, Merchant Services, and ACH Direct Payment), Payment Solutions (Wire Transfer, ACH Origination, payroll, and business credit cards), and Liquidity Solutions (sweep and zero balance accounts, and funds transfer).
How do I report a complaint?
We always want to hear your feedback. If something isn’t right, you can share a complaint or concern by phone, in person at any branch, or by mail. Call Customer Care at 877-493-7862, email customercare@wtnb.com visit your nearest branch (see our Locations page), or write to us at 6 Desta Drive, Suite 2400, Midland, TX 79705.
Are there ATM withdrawal limits?
Yes. The standard daily ATM withdrawal limit is $1,000.
Can I lock or disable my debit card through mobile banking?
Card management tools in Online and Mobile Banking let you monitor activity and lock your card when you need to.
Do you offer a digital wallet option (e.g., Apple Pay, Google Pay)?
We deliver more payment options with our debit cards. We support Apple Pay, Google Pay, and Samsung Pay through Mobile Wallet, so you can store your debit and credit cards on your phone for contactless payments.
How can I temporarily increase my card limits?
Call us or visit any branch to request a temporary limit increase.
How do I activate my debit card once I receive it?
If you receive an instant-issue card at a branch, you'll get a phone number to call to activate it. If your card is mailed to you, activation instructions are included with the card.
How do I dispute a transaction on my debit card?
Call 1-844-202-5001 to dispute a debit card transaction. This number connects you with a third-party provider who handles the entire dispute process.
How do I order or replace a debit card?
You don't have to wait long for a new debit card. Any branch can provide an instant-issue personal debit card on the spot. Business debit cards must be mailed, and typically arrive in 7 to 14 business days.
How do I report unauthorized transactions?
Call 877-493-7862 as soon as you notice anything unusual. Our card support line is available around the clock to report unauthorized activity or a lost or stolen card.
What is the daily purchase limit on my debit card?
For personal debit cards, the daily limit is $1,500 for ATM transactions and $2,500 for point-of-sale purchases. Business debit cards are point-of-sale only, with a daily limit of $3,000.
Will my debit card work internationally?
Personal debit cards are accepted at ATMs and merchants worldwide, including through the Money Pass network. Business debit cards are point-of-sale only and do not have ATM access. A $2.50 fee applies when you use an ATM outside our network.
International purchases may also include a Currency Conversion Assessment of 0.2% when a transaction is made in a foreign currency, and an Issuer Cross-Border Assessment of 0.9% on any cross-border transaction, whether or not it involves currency conversion.
To help prevent declined purchases while traveling internationally, you can place a Travel Notice on your card through Mobile Banking or by contacting our call center.
International purchases may also include a Currency Conversion Assessment of 0.2% when a transaction is made in a foreign currency, and an Issuer Cross-Border Assessment of 0.9% on any cross-border transaction, whether or not it involves currency conversion.
To help prevent declined purchases while traveling internationally, you can place a Travel Notice on your card through Mobile Banking or by contacting our call center.
Can I deposit a check using my phone's camera?
We’re happy to deliver more convenience by letting you deposit checks from anywhere. Use Mobile Deposit in our app to deposit checks with your phone camera. The cutoff is 6 p.m., and funds are generally available the first business day after we receive the deposit.
Can I link multiple accounts (personal and business) to one login?
Through Business Online Banking, you can link multiple account types, but you must have at least one active business account to do so.
Can I pay bills through online banking? How do I set that up?
Yes. Online Bill Pay lets you schedule one-time or recurring payments, so your bills are paid on time. You can set it up in Online Banking or the Mobile Banking app. Be sure to allow a few business days of processing time to ensure payments are made by their due date.
Do you support Person-to-Person (P2P) payments (e.g., Zelle)?
Yes. With Zelle, you can send or request money using just a phone number or email, even if the other person banks somewhere else. Personal banking customers can access Zelle via Mobile Banking.
How do I enroll my business in online banking and mobile banking?
To enroll your business for Online and Mobile Banking, contact Treasury Management at treasurymgmt@wtnb.com and provide your contact information. A Treasury team member will reach out to start the enrollment process.
How do I view and download my eStatements?
Once you are enrolled in eStatements, you can view and download them anytime under Electronic Statements in your Online Banking profile. Statements are available for a rolling 12 months.
What can I do in the mobile app (e.g. mobile deposit, Zelle, bill pay)?
Our mobile app will look different depending on whether you bank personally or for your business. Personal customers can deposit checks with their phone camera, send and receive money with Zelle, pay bills, use Mobile Wallet for contactless payments, view eStatements, transfer funds, and track balances and debit card spending. Business customers can use Mobile Deposit, Bill Pay, Positive Pay, approve Wires and ACH Payments, and transfer funds.
What should I do if I can't log in or forgot my password?
Use the Forgot Password link on the login page to reset it. If you still need help, call Customer Care at 877-493-7862.
How do I enroll myself in online banking and your mobile app?
From the Login page, choose Personal Banking Login, then Enroll Now. Enter your account type, account number, Social Security number, and date of birth, then click Enroll. You will also be asked to answer security questions correctly to complete enrollment. Once enrolled, sign in with the same details on our Mobile Banking app.
How do I set up eStatements instead of paper statements?
For Personal Online Banking, log into Online Banking, open your Profile, choose Electronic Statements, click Edit, and select eStatement as your delivery method. Accept the terms, enter the confirmation code shown in the terms link, and click Save. Business customers cannot enroll in eStatements; they can view their statements in Business Online Banking instead. To turn off paper statements, business customers can email Treasury Management.
Are there transaction limit fees on my savings account?
Yes. Transfers and withdrawals from a savings or money market account are limited to six per month. A $3.00 fee may apply to each transaction beyond that limit, and the account may be moved to a non-interest-bearing checking account.
Can I open a joint account, and what's required?
Yes. The requirements to open a joint account are the same as those for opening an individual account (see question 1 above).
Do you charge for paper statements or for ordering checks?
Paper statements are free with Free Checking. All other personal accounts have a $3.00 fee per paper statement. Ultimate Checking and Image Checking Unlimited statements are issued monthly, and Personal Savings statements are issued quarterly. Check prices depend on the style and quantity you choose when ordering.
Is there a minimum opening deposit for checking or savings?
Yes. Personal checking accounts (Free Checking, Image Checking Unlimited, and Ultimate Checking) each have an opening deposit of $100. Personal Savings can be opened with $50, and the Personal Money Market requires a minimum deposit of $2,500.
How are interest rates calculated and credited on savings accounts?
It depends on the account. Personal Savings earns interest credited quarterly. The Personal Money Market credits interest monthly. CDs pay fixed interest credited quarterly, and interest is paid at maturity on terms of 30 to 60 days. Specific rates and annual percentage yields are not included here, since they change periodically. Visit your local branch for help finding the right account to help you save more.
How can I order checks or deposit slips?
For your first order of checks, visit your local branch. After that, you can reorder personal checks, or just deposit slips, online through Main Street or in person at any branch.
How do I change my address or update my contact information?
You can update your address or contact information in Online Banking, by phone, or in person at any branch.
What are the eligibility requirements to open an account?
Providing two identification types (including at least one primary form) is necessary. If your current residence differs from what appears on your primary ID, you must also supply proof of your physical address. The minimum age to open an account is 12, with a legal guardian on the account for those under 18. Accounts can be opened by U.S. residents or non-U.S. residents with proper identification.
What steps should I take if I suspect fraud on my account?
We take fraud seriously. Contact us right away at 877-493-7862, so we can secure your account. After hours, press 2 to report a lost or stolen debit card. You can also lock your debit card through Online or Mobile Banking, review your recent activity, or visit any local branch to speak with a Branch Manager or Personal Banker.
Always Verify Before You Pay
Before making any payments, providing banking details, or doing anything else that may compromise your business bank account, always verify the recipient.
Business Email Compromise & Wire Fraud
Criminals impersonate an executive, vendor, or attorney via spoofed or hacked email accounts to trick employees into wiring money to accounts the fraudsters control.
Check Fraud
Criminals steal checks from the mail, chemically "wash" them to alter the payee or amount, or they use your account and routing numbers to create counterfeit checks drawn on your business account.
Fake Invoices & Vendor Payment Changes
Scammers send invoices that look like they're from legitimate suppliers or pose as a real vendor requesting "updated" banking details, so your payments get rerouted to them.
Payroll Diversion
Fraudsters impersonate an employee (often through a phishing email to HR) and request a change to their direct deposit information, sending that person's paycheck to a criminal-controlled account.
Utilize Our Treasury Management Tools
Get more fraud prevention with our Treasury Management services for businesses in West Texas.
AI Voice Cloning
How it Works: Using AI technology, scammers will impersonate real people to request money, often claiming there has been an accident or other type of emergency.
What to Do: Create a code word with friends and relatives to use in the event of a real emergency, so you can quickly verify whether the call is real. Alternatively, hang up and call the person back at a trusted phone number.
ATM and Gas-Pump Skimming
How it Works: Devices are attached to ATMs, gas pumps, and other card readers to copy your card data and collect your PIN.
What to Do: Look for tamper seals on gas pumps, inspect the card reader for signs of damage, and cover your hand when entering your PIN. When in doubt, pay inside the gas station or go into your local bank branch to complete transactions.
Bank Impersonators
How it Works: Someone will call you claiming to be from West Texas National Bank. They might tell you your account has been compromised, ask for personal information, or tell you to move your money.
What to Do: Do not provide any personal information and hang up immediately. Then, contact us at 877-493-7862 to secure your account.
Check Fraud and Mail Theft
How it Works: Thieves will steal checks from mailboxes and alter the payee or amount to make fraudulent deposits.
What to Do: Make digital payments where possible using Online Bill Pay. If you do put a check in the mail, drop it off inside your local post office rather than a residential mailbox or blue collection box.
Crypto Investment Scams
How it Works: Fraudsters will promise big returns through investments, usually through unsolicited contact on social media or with fake websites.
What to Do: Do not send cryptocurrency to any unknown parties; it’s almost impossible to recover. You should also always verify any investment platform to ensure it is authorized to manage your funds.
Online Shopping Scams
How it Works: Scammers will set up fake store fronts and use social media ads to promote non-existent goods and services.
What to Do: Double check URLs and look for misspelled brand names, offers that seem too good to be true, or requests for unusual payment methods.
Payment App Scams
How it Works: There are a few different scams that use payment apps like Zelle. A common one is a scammer will spoof the bank’s phone number and call or text you with instructions to transfer money to a “safe account”.
What to Do: Do not transfer money to anyone you don’t know. Zelle transfers are like cash, so funds cannot be recovered. We will never ask you to transfer money to protect your account.
Phishing Texts and Emails
How it Works: Scammers will impersonate a trustworthy organization, such as your bank, and send a text or email and request that you click on a link to reset your account or send sensitive information like passwords or verification codes.
What to Do: Do not click on any suspicious links or open any attachments and mark the messages as spam. If you think an alert may be legitimate, call us to check or log into Online or Mobile Banking.
How do I report a lost or stolen card?
If your card is lost or stolen, call 877-493-7862 to report it.
I need to complete a transaction after hours. What can I do?
You can utilize online or mobile banking to transfer funds, deposit checks, or pay bills. You can also call 800-250-8880 for toll-free automated telephone banking to handle most transactions 24/7.
How do I log into Online Banking?
Visit our Login Instructions page for assistance logging into online banking or setting up your username and password.
What are your business hours?
Our branch locations each have different lobby and drive-thru banking hours. Visit our Locations page for information about your local branch. Our customer service team can be reached by phone at 877-493-7862, Monday - Friday from 7:30am - 6pm.