Compare Personal Checking Accounts
Free Checking
No-frills checking with no monthly service fees.1
- Minimum amount to open: $100
- Paper or eStatements included free
- Best for building or rebuilding your finances
Image Checking Unlimited
A checking account with more visibility, including images of canceled checks.
- Minimum amount to open: $100
- eStatements included free
- No fees with a daily balance over $1,500
Ultimate Checking
Earn interest and get reimbursed for ATM surcharges.2
- Minimum amount to open: $100
- Earn tiered interest for higher APY on larger account balances.
- No monthly service fees
- eStatements only
Personal Checking Features & Benefits
Free Debit Card
Get a free debit card with real-time spending tracking built in for more control and more security.
Online Banking
Manage your checking account securely and easily from your computer.
Mobile Banking
Use your smartphone to take care of all your banking needs, including mobile check deposits and setting up spending alerts.
Online Bill Pay
Pay your bills online with one-time or recurring automatic payments, so your bills get paid on time.
Zelle®
Securely transfer money instantly to any Zelle® user.
Direct Deposit
Get your paychecks deposited faster and more securely with direct deposit.
A Personal Bank Account that Stands for More
No matter which personal checking account you choose, you’ll get more than just a bank account. You’ll gain a trusted partner to assist with all your banking needs. We can help you get where you’re going.
More Tools
Modern Banking Tools to Keep You in Control
West Texas National Bank has been around since 1904, but we continue to grow with modern tools to keep you in control of your money. Enjoy all the convenience of Online Banking backed by the ongoing support of our knowledgeable team.
Enroll in Online BankingMore Care
Customer Support You Can Trust
When you visit any of our branches, you’ll feel welcome. We set the standard for customer care, so you can get the support you need to accomplish your goals.
Meet Our Team1This is a truncated account. You will not receive canceled checks or images in your monthly statement.
2 Non-WTNB ATM: $2.50, in addition to any surcharges imposed by the machine used. Note: ATM surcharges will be refunded, up to a maximum of $20 per statement cycle if you meet Account Qualifications
Account Qualifications: To qualify for and receive ATM fee surcharge reimbursements, you must meet the following requirements during the statement cycle: At least 10 Point of Sale (POS or Merchant) transactions must post and settle to your account during the statement cycle. The account must also receive a monthly eStatement via Online Banking.